Systems and methods for obtaining insurance offers using mobile image capture

ABSTRACT

Systems and methods for using a mobile device to submit an application for an insurance policy using images of documents captured by the mobile device are provided herein. The information is then used by an insurance company to generate a quote which is then displayed to the user on the mobile device. A user captures images of one or more documents containing information needed to complete an insurance application, after which the information on the documents is extracted and sent to the insurance company where a quote for the insurance policy can be developed. The quote can then be transmitted back to the user. Applications on the mobile device are configured to capture images of the documents needed for an insurance application, such as a driver&#39;s license, insurance information card or a vehicle identification number (VIN). The images are then processed to extract the information needed for the insurance application.

RELATED APPLICATIONS INFORMATION

This application is a continuation of U.S. patent application Ser. No.13/844,303, filed on Mar. 15, 2013, which is a continuation-in-part ofU.S. patent application Ser. No. 12/906,036, filed on Oct. 15, 2010, nowU.S. Pat. No. 8,577,118, which is a continuation-in-part of U.S. patentapplication Ser. No. 12/778,943, filed on filed May 12, 2010, now U.S.Pat. No. 8,582,862, and is a continuation-in-part of U.S. patentapplication Ser. No. 12/346,026, filed on Dec. 30, 2008, now U.S. Pat.No. 7,978,900, which in turn claims the benefit of U.S. ProvisionalApplication No. 61/022,279, filed on Jan. 18, 2008, all of which areincorporated herein by reference in their entirety as if set forth infull. This application is also related to U.S. patent application Ser.No. 12/717,080, filed on Mar. 3, 2010, which is now U.S. Pat. No.7,778,457, which is incorporated herein by reference in its entirety asif set forth in full.

BACKGROUND Technical Field

The embodiments described herein generally relate to automated documentprocessing of document images captured by a mobile device, and moreparticularly to systems and methods for mobile document image processingof insurance-related documents which extracts and sends information toan insurance provider for generating an offer for an insurance policy.

Related Art

One of the most expensive aspects of owning and driving a vehicle is thecost of insurance. In many states, a minimum level of car insurance isrequired by law, although the types of car insurance policies varywidely and have correspondingly wide variations in cost. Insuranceproviders regularly advertise their policies in terms of the service andaffordability, but many consumers are discouraged from shopping aroundfor car insurance policies due to the complexity of the process.

The process for applying for a car insurance policy requires theconsumer to provide a significant amount of personal information, aswell as lengthy details about their vehicle, driving history and recordand financial information. This includes inputting a large amount ofdata, from driver's license information to vehicle identificationnumbers (VIN) to past accidents and driving records. Most consumers findit difficult and time consuming to collect all the needed informationwhen applying for a new car insurance policy, and may fail to completethe application process because one or more pieces of information aremissing or difficult to obtain.

Furthermore, even when the consumer has completed an application, theinformation must be verified by the insurance company which received theapplication. This involves comparing the inputted information toinformation about the consumer that the insurance company obtains fromthird party databases such as state accident and vehicle ownershipdatabases. This requires additional time to process the application,during which the consumer may lose interest in obtaining the policy.

Even when the consumer does receive a valid quote for a car insurancepolicy, it is difficult to compare the policy with other policies fromother insurance companies due to the complexity of completing numerousseparate applications.

Therefore, there is a need for streamlining the process of applying forand processing car insurance policy applications.

SUMMARY

Systems and methods are provided for using a mobile device to submit anapplication for an insurance policy and obtain a quote from an insurancecompany. A user captures images of one or more documents containinginformation needed to complete an insurance application, after which theinformation on the documents is extracted and sent to the insurancecompany over a network where a quote for the insurance policy can bedeveloped. The quote can then be transmitted back to the user for reviewand comparison with other quotes from other insurance companies and withthe user's existing insurance policy. Applications on the mobile deviceare configured to capture images of the documents needed to complete aninsurance application, such as a driver's license, an insuranceinformation card, a billing statement from an existing insurance policyor a vehicle identification number (VIN). The images are then processedto extract the information needed for the insurance application andverify the authenticity of the documents in order to expedite theapplication process.

In one embodiment, a method of obtaining insurance policy quotes using amobile device comprises: receiving a mobile image captured with themobile device which includes information related to obtaining aninsurance quote; processing the mobile image to extract the informationrelated to obtaining an insurance quote; transmitting the informationrelated to obtaining an insurance quote to a remote server; creating anoffer for an insurance policy based on the information related toobtaining an insurance quote; and transmitting the insurance policyoffer to the mobile device and displaying the offer to a user.

In another embodiment, a system for obtaining insurance policy quotesusing a mobile device, comprises: a receiving unit for receiving amobile image captured with the mobile device which includes informationrelated to obtaining an insurance quote; an image processing unit forprocessing the mobile image to extract the information related toobtaining an insurance quote; a transmitting unit for transmitting theinformation related to obtaining an insurance quote to a remote server;an offer calculation unit for creating an offer for an insurance policybased on the information related to obtaining an insurance quote; and aremote transmitting unit for transmitting the insurance policy offer tothe mobile device and displaying the offer to a user.

Other features and advantages of the present invention should becomeapparent from the following description of the preferred embodiments,taken in conjunction with the accompanying drawings, which illustrate,by way of example, the principles of the invention.

BRIEF DESCRIPTION OF THE DRAWINGS

The various embodiments provided herein are described in detail withreference to the following figures. The drawings are provided forpurposes of illustration only and merely depict typical or exampleembodiments. These drawings are provided to facilitate the reader'sunderstanding of the invention and shall not be considered limiting ofthe breadth, scope, or applicability of the embodiments. It should benoted that for clarity and ease of illustration these drawings are notnecessarily made to scale.

FIG. 1 is a block diagram which illustrates one embodiment of a systemfor mobile image capture and remittance processing, according to oneembodiment of the invention.

FIG. 2 illustrates one embodiment of a method of obtaining insuranceoffers using a mobile device, according to one embodiment of theinvention.

FIGS. 3A-3D illustrate graphical user interfaces (GUIs) of anapplication on a mobile device for use in capturing images to obtaininsurance offers, according to one embodiment of the invention.

FIGS. 4A-4H illustrate one embodiment of a process of capturing an imageof a driver's license and extracting data from the captured image,according to an embodiment.

FIGS. 5A-5N illustrate one embodiment of a process of capturing an imageof an automobile insurance card (AIC) and extracting data from thecaptured image, according to an embodiment.

FIGS. 6A-6J illustrate one embodiment of a process of capturing an imageof a vehicle identification number (VIN) and extracting data from thecaptured image, according to an embodiment.

FIGS. 7A-7C illustrate various graphical images of tips displayed to auser for improving the quality of the image captured using the mobiledevice, according to an embodiment.

FIG. 8 is an image of a remittance coupon captured by a mobile device,according to an embodiment.

FIG. 9 is a geometrically corrected image created using image processingtechniques disclosed herein using the mobile image of the remittancecoupon illustrated in FIG. 8.

FIG. 10 and its related description above provide some examples of how aperspective transformation can be constructed for a quadrangle definedby the corners A, B, C, and D according to an embodiment.

FIG. 11 is a diagram illustrating an example original image, focusrectangle and document quadrangle ABCD in accordance with the example ofFIG. 10.

FIG. 12 is a flow diagram illustrating a method for correcting defectsto mobile image according to an embodiment.

FIG. 13 is a flow chart for a method that can be used to identify thecorners of the remittance coupon in a color image according to anembodiment.

FIG. 14 is a flow diagram of a method for generating a bi-tonal imageaccording to an embodiment.

FIG. 15 illustrates a binarized image of a remittance coupon generatedfrom the geometrically corrected remittance coupon image illustrated inFIG. 9, according to one embodiment.

FIG. 16 is a flow diagram of a method for converting a document imageinto a smaller color icon image according to an embodiment.

FIG. 17A is a mobile image of a check according to an embodiment.

FIG. 17B is an example of a color icon image generated using the methodof FIG. 12 on the example mobile image of a check illustrated in FIG.13A according to an embodiment.

FIG. 18 is a flow diagram of a method for reducing the color depth of animage according to an embodiment.

FIG. 19A depicts an example of the color “icon” image of FIG. 17B afteroperation 1302 has divided it into a 3×3 grid in accordance with oneembodiment of the invention.

FIG. 19B depicts an example of the color “icon” image of FIG. 17Bconverted to a gray “icon” image using the method illustrated in FIG. 18according to an embodiment.

FIG. 20 is a flowchart illustrating an example method for findingdocument corners from a gray “icon” image containing a documentaccording to an embodiment.

FIG. 21 is a flowchart that illustrates an example method for geometriccorrection according to an embodiment.

FIG. 22A is an image illustrating a mobile image of a check that isoriented in landscape orientation according to an embodiment.

FIG. 22B example gray-scale image of the document depicted in FIG. 17Aonce a geometrical correction operation has been applied to the imageaccording to an embodiment.

FIG. 23 is a flow chart illustrating a method for correcting landscapeorientation of a document image according to an embodiment.

FIG. 24 provides a flowchart illustrating an example method for sizecorrection of an image according to an embodiment.

FIG. 25 illustrates a mobile document image processing engine (MDIPE)module for performing quality assurance testing on mobile documentimages according to an embodiment.

FIG. 26 is a flow diagram of a process for performing mobile imagequality assurance on an image captured by a mobile device according toan embodiment.

FIG. 27 is a flow diagram of a process for performing mobile imagequality assurance on an image of a check captured by a mobile deviceaccording to an embodiment.

FIG. 28A illustrates a mobile image where the document captured in themobile document image exhibits view distortion.

FIG. 28B illustrates an example of a grayscale geometrically correctedsubimage generated from the distorted image in FIG. 28A according to anembodiment.

FIG. 29A illustrates an example of an in-focus mobile document image.

FIG. 29B illustrates an example of an out of focus document.

FIG. 30 illustrates an example of a shadowed document.

FIG. 31 illustrates an example of a grayscale snippet generated from amobile document image of a check where the contrast of the image is verylow according to an embodiment.

FIG. 32 illustrates a method for executing a Contrast IQA Test accordingto an embodiment.

FIG. 33A is an example of a mobile document image that includes a checkthat exhibits significant planar skew according to an embodiment.

FIG. 33B illustrates an example of a document subimage that exhibitsview skew according to an embodiment.

FIG. 34 is a flow chart illustrating a method for testing for view skewaccording to an embodiment.

FIG. 35 illustrates an example of a mobile document image that featuresan image of a document where one of the corners of the document has beencut off in the picture.

FIG. 36 illustrates a Cut-Off Corner Test that can be used for testingwhether corners of a document in a document subimage have been cut offwhen the document was imaged according to an embodiment.

FIG. 37 illustrates an example of a mobile document image that featuresa document where one of the ends of the document has been cut off in theimage.

FIG. 38 is a flow diagram of a method for determining whether one ormore sides of the document are cut off in the document subimageaccording to an embodiment.

FIG. 39 illustrates an example of a mobile document image where thedocument is warped according to an embodiment.

FIG. 40 is a flow diagram of a method for identifying a warped image andfor scoring the image based on how badly the document subimage is warpedaccording to an embodiment.

FIG. 41 illustrates an example of a document subimage within a mobiledocument image that is relatively small in comparison to the overallsize of the mobile document image according to an embodiment.

FIG. 42 is a flow diagram of a process that for performing an Image SizeTest on a subimage according to an embodiment.

FIG. 43 is a flow chart of a method for executing a code line testaccording to an embodiment.

FIG. 44 illustrates a method for executing an Aspect Ratio Testaccording to an embodiment.

FIG. 45 is a flow chart of a method for processing an image using formidentification according to an embodiment.

FIG. 46 is a flow chart of a method for processing an image usingdynamic data capture according to an embodiment.

FIG. 47 is a flow diagram illustrating an exemplary method ofconfiguring a recurring payment schedule according to an embodiment.

FIG. 48 is a flow diagram illustrating an exemplary method of selectinga specific scheduling preference according to an embodiment.

FIG. 49 is a flow diagram illustrating an exemplary method of enabling auser to set one or more reminders associated with a recurring billpayment according to an embodiment.

FIG. 50 is a block diagram of various functional elements of a mobiledevice that can be used with the various systems and methods describedherein according to an embodiment.

FIG. 51 is a block diagram of functional elements of a computer systemthat can be used to implement the mobile device and/or the serversdescribed in the systems and methods disclosed herein.

DETAILED DESCRIPTION

The embodiments described herein are directed to using a mobile deviceto submit an application for an insurance policy and obtain a quote froman insurance company. A user captures images of one or more documentscontaining information needed to complete an insurance application,after which the information on the documents is extracted and sent tothe insurance company over a network where a quote for the insurancepolicy can be developed. The quote can then be transmitted back to theuser for review and comparison with other quotes from other insurancecompanies and with the user's existing insurance policy. Applications onthe mobile device are configured to capture images of the documentsneeded to complete an insurance application, such as a driver's license,an insurance information card, a billing statement from an existinginsurance policy or a vehicle identification number (VIN). The imagesare then processed to extract the information needed for the insuranceapplication and verify the authenticity of the documents in order toexpedite the application process.

System Overview

FIG. 1 illustrates one embodiment of a system 100 for obtaininginsurance policy quotes using information obtained from an imagecaptured by a mobile device. The system 100 includes a mobile device102, such as a cellular phone, smartphone, tablet, personal digitalassistant (PDA) or other portable electronic device that may beconnected with a communications network. The mobile device 102 willinclude an image capture device (not shown), such as a digital camera ora portable scanning device, that uses an image sensor to capture animage of a document. The mobile device 102 is connected with a remoteserver 104 over a network so that the mobile device 102 can transmitcaptured images or image data to the remote server 104. In oneembodiment, the remote server 104 may send information to the mobiledevice 102 (and specifically an application running on the mobiledevice) regarding the parameters that should be measured and the valuesof the thresholds required to capture an image. The remote server 104may perform additional image processing and data extraction, as will bedescribed in further detail below, in order to determine informationabout the document and identify the appropriate parties and amounts. Inone embodiment, the remote server 104 may be connected with a driver'slicense database 106 which is used to verify address informationobtained from the user, as will be described in further detail below.The remote server 104 may also be connected with an insurer database 108which stores information on all insurers, such as address informationand billing formats. Once the remote server 104 has extracted andidentified all of the relevant data from the image of documents forobtaining the insurance quote, the extracted data and the captured andprocessed images may be stored in a content database 110 connected withthe remote server 104. The extracted data may then be transmitted to aninsurance server 112 for determining a quote for an insurance policyrequested by the user of the mobile device 102.

The mobile device may comprise a mobile telephone handset, PersonalDigital Assistant, or other mobile communication device. The mobiledevice can include a camera or other imaging device, such as a scanner,or might include functionality that allows it to connect to a camera orother imaging device. The connection to an external camera or otherimaging device can comprise a wired or wireless connection. In this waythe mobile device can connect to an external camera or other imagingdevice and receive images from the camera or other imaging device.

Images of the documents taken using the mobile device or downloaded tothe mobile device can be transmitted the remote server via a network.The network can comprise one or more wireless and/or wired networkconnections. For example, in some cases, the images can be transmittedover a mobile communication device network, such as a code divisionmultiple access (“CDMA”) telephone network, or other mobile telephonenetwork. The network can also comprise one or more connections acrossthe Internet. Images taken using, for example, a mobile device's camera,can be 24 bit per pixel (24 bit/pixel) JPG images. It will beunderstood, however, that many other types of images might also be takenusing different cameras, mobile devices, etc.

The remote server can be configured to perform various image processingtechniques on images of remittance coupons, checks, or other documentscaptured by the mobile device. The remote server can also be configuredto perform various image quality assurance tests on images of remittancecoupons or documents captured by the mobile device to ensure that thequality of the captured images is sufficient to enable remittanceprocessing to be performed using the images. Examples of variousprocessing techniques and testing techniques that can be implemented onthe remote server are described in detail below.

According to an embodiment, the remote server can be configured tocommunicate to one or more bank servers via the network. The bank servercan be configured to process payments in some embodiments. For example,in some embodiments, mobile device can be used to capture an image of aremittance coupon and an image of a check that can be used to make anelectronic payment of the remittance payment. For example, the remoteserver can be configured to receive an image of a remittance coupon andan image of a check from the mobile device. The bank server canelectronically deposit the check into a bank account associated with theentity for which the electronic remittance is being performed (payor).According to some embodiments, the bank server and the remote server canbe implemented on the same server or same set of servers.

In other embodiments, the remote server can handle payment. For example,the remote server can be operated by or on behalf of an entityassociated with the coupon of FIG. 8, such as a utility or business. Theuser's account can then be linked with a bank, Paypal®, or otheraccount, such that when remote server receives the remittanceinformation, it can charge the appropriate amount to the user's account.

Exemplary Method

FIG. 2 illustrates a method of obtaining an insurance quote using imagescaptured by the mobile device, in accordance with one embodiment of theinvention. In a first step S202, an application on the mobile device islaunched by the user. The application may be a software application or acombination of software and hardware. In step S204, the user selects theoption to request a quote for an insurance policy. As shown in FIG. 3B,the user may be presented with numerous options when launching theapplication. The user may then be asked to select their location orspecify where they live in step S206, as insurance quotes may depend onthe state or city in which a user resides. Location-based services onthe mobile device, such as a global positioning unit, may preselect theuser's current location in order to minimize the user's effort duringthis step. In step S208, the user selects the step of submittingpersonal information that is needed in order to obtain a quote. Thepersonal information may be manually entered through interactive userinterfaces on the mobile device, or the user may take a picture of anidentification card such as a driver's license, which already has asignificant amount of information needed by the insurance company forprocessing the quote request.

In step S210, the user then enters vehicle information on the number andtype (make, model, etc) of vehicles that need coverage under theinsurance policy. The vehicle information may be obtained from severaldifferent documents and locations which can be captured by an imagecapture device on the mobile device, including an insurance card, avehicle registration card or a vehicle identification number (VIN) onthe vehicle itself If the mobile device captures an image of theinsurance card, registration paper or VIN, the image will be processedimmediately to extract all relevant vehicle information, preventing theuser from having to painstakingly type in the long VIN and other datarequired during the insurance application process.

Once the personal information and vehicle information are collected fromthe captured images, the information is transmitted to the insuranceserver 112 in step S212 for processing by an insurance company, whichwill then calculate a quote for the requested policy in step S214. Inone embodiment, the extracted information may be sent to a third partyserver which can distribute the quote request to numerous insurancecompanies so that the user will receive multiple quotes for the sameservice. When the quote has been determined, it is transmitted back tothe user at the mobile device and displayed on the display of the mobiledevice for the user to see, in step S216.

Interactive User Interface

FIGS. 3A-3D illustrate a series of graphical user interfaces (GUIs)displayed after an insurance application on the mobile device islaunched, as described in S202, above. FIG. 3A is a title screen 302which may indicate to the user through visual or other means what theapplication is capable of doing, so that the user does not open thewrong mobile application for their intended task. FIG. 3B illustrates amain menu screen 304 that is displayed to the user, asking the user ifthey would like to get a quote, pay a bill, file a claim, protectdocuments or find an agent. If the user selects “get a quote” 306, asindicated by the arrow in FIG. 3B, the residence screen 308 appears, asshown in FIG. 3C, which asks the user to select the state where theylive. As illustrated in FIG. 3D, once the state is selected, a photoquote menu 310 is displayed with the options for obtaining the insurancequote over the phone. The user can then proceed to enter either personalinformation or vehicle information in order to complete the applicationprocess. The additional screens displaying the steps for enteringpersonal and vehicle information are described in further detail below.

Driver's License Capture

FIGS. 4A-4H illustrate one embodiment of an identification card captureprocess of capturing and extracting data from a mobile-captured image ofan identification card, such as a driver's license. In FIG. 4A, the useris first presented with a state selection menu 4031 to select the statewhich issued their driver's license. The state selection menu 4031 willhelp narrow down the format, size and type of driver's license that theuser has, which will help in creating a properly-sized alignmentrectangle 4016 and in extracting data from particular locations on theimage of the driver's license which is known to contain specific data.Once the user selects their state, the mobile image capture interface4012 is displayed with the rectangle 4016 for aligning a driver'slicense 4032, in FIG. 4B. In one embodiment, a tips sequence 4034 may bedisplayed before the mobile image capture interface 4012 to provide tipsto the user for capturing a high quality image of the driver's license4032. Once the driver's license 4032 has been properly aligned, theimage of the driver's license 4032 can be captured, as shown in FIG. 4C.The image of the driver's license is then processed and then tested withthe various IQA tests, after which the data from the driver's license isextracted and displayed to the user in the personal informationconfirmation screen 4022 shown in FIG. 4G. If the information iscorrect, the user selects “Done” 4020 and the completion screen 4028 isdisplayed, as shown in FIG. 4H.

In one embodiment illustrated in FIGS. 4D-F, additional methods forextracting data from the driver's license 4032 are provided. In thismethod, the user is prompted to provide hints to the data extractionunits as to the location of certain fields on the driver's license. Asshown in FIG. 4D, a message 4036 may be displayed to the userinstructing the user to touch (or select with an input device) a certainfield on the image of the driver's license, such as the driver's licensenumber. In FIG. 4E, the message 4036 disappears and the user selects therequested field 4038 on the image where the driver's license number isfound. In one embodiment, a visual indicator of the location selected bythe user is displayed, such as a circle or dot shown in FIG. 4E. Asshown in FIG. 4F, a confirmation message 4042 may be displayedindicating that the field has been located or otherwise indicating thatthe hinting process is complete. The process may continue for one ormore fields as needed. Once the hinting process is complete, the imageof the driver's license is processed and quality tested, and the datafrom the driver's license is then extracted. However, the extractionprocess may be completed with higher confidence as to themanually-selected fields since the optical character recognitionsoftware can be programmed to scan the selected area for a specificformat of data that corresponds to a driver's license number. Theextracted data is then displayed to the user for confirmation in FIG.4G, as has already been described.

The hinting process may be useful when the system cannot determinecertain aspects of the image or certain basic fields, such as if theuser does not know which state issued their driver's license.

Automobile Insurance Card (AIC) Capture

In one embodiment, personal and vehicle information may be obtained froman automobile insurance card, or AIC, which generally contains the nameand address of the user, the existing insurance policy number, a VINnumber of the vehicle and the make and model of the vehicle. The AIC maybe used in place of a driver's license, especially if the user'sdriver's license number is printed on the AIC, but in other cases, theAIC and the driver's license will be the only documents that the userneeds to take photos of in order to obtain an insurance quote.

FIGS. 5A-5O illustrate one embodiment of an automobile insurance card(AIC) capture process where data is captured and extracted from amobile-captured image of an AIC. In FIG. 5A, the main menu 502 isdisplayed, and the user selects “Get a Quote,” followed by the state ofresidency 504 in FIG. 5B. In FIG. 5C, the user selects “VehicleInformation” 506 and is then provided with several options in FIG. 5Dfor how this information will be obtained, which the user in this caseselects “Capture information from my auto insurance card by taking aphoto” 508.

In one embodiment, illustrated by the black screen 510 in FIG. 5E, theuser may be provided with an initial screen with tips or advice on howto properly capture an image using a mobile device. These screens areexemplified further in FIGS. 7A-7C, which are described further below.Next, in FIG. 5F, the user is presented with a real-time view 512 of themobile device's image capture hardware, for example a camera integratedwith the mobile device. As illustrated in FIG. 5F, a bounding box 514may be displayed on top of the image being displayed and even havedifferent colors to help the user determine when the image of thedocument or other desired information is sufficient for capture. Thescreen in FIG. 5F may also be an initial configuration or alignmentscreen which helps the user align as many parameters as possible, afterwhich an auto-capture feature is selected and activated to automaticallycapture one or more images 516 (as in FIG. 5G) without requiring theuser to tediously depress a button on the mobile capture device and riskit becoming blurry.

In one embodiment, illustrated by FIGS. 5I-K, the user may be promptedto provide manual hints 518 to the system about the location of certainportions 520 of a document 522 such as the AIC. A confirmation screen524 may be provided to confirm that the hint was successful. These hintsmay be useful when a document is small and has a large amount ofinformation, such as the imaged AICs 522 in FIGS. 5I-5J. In FIG. 5L, amenu screen 526 pops up and prefills the information needed to completethe quote. In FIG. 5M, check boxes 528 are displayed next to the menulisting “Personal Information” and “Vehicle Information” as anindication that both types of information have been submitted. The usercan then select “Get a Quote” 530, after which, in FIG. 5N, the user mayneed to select which vehicles will be insured under the insurance policyfrom a checklist 532. Finally, in FIG. 5O, the actually quote 534 isdisplayed to a user, along with a button which may take the user to theinsurance company's website to sign up with that insurance company.

Vehicle Identification Number (VIN) Capture

FIGS. 6A-6J illustrate one embodiment of a vehicle identification number(VIN) capture process where data is captured and extracted from amobile-captured image of a VIN. The VIN is useful for providinginformation about a vehicle based on information stored in the state orfederal databases.

FIGS. 6A-6C are identical to those in FIG. 5A-5C, where the user selectsvarious menu items to request a quote. In FIG. 6D, the user selects thebutton 602 labeled “capture information off the vehicle by taking aphoto.” Next, in FIG. 6E, the real-time viewing window 604 appears onthe mobile device display, and the bounding box 606 also appears to helpthe user align the VIN with the box in order to ensure that the VIN isclearly captured. The VIN capture process may also involve automaticcapture features, as illustrated in FIGS. 6E and 6F and similar to thosedescribed above with regard to the AIC.

FIG. 6G illustrates the resulting data 608 pulled from the VIN,including the VIN itself, but also including the make, model and year ofthe car. The user may then confirm the information if they choose, orproceed to the quote screens. Similarly to FIGS. 5M-5O, the user is thenprovided with the options 610 in FIG. 6I of which cars to insure and thetotal quote 612 in FIG. 6J for the policy based on the selectedvehicles.

Image Capture Tips

FIGS. 7A-7C illustrate various graphical images of tips displayed to auser for improving the quality of the image captured using the mobiledevice. In FIG. 7A, an ideal image 702 of a driver's license ispresented along with a colored rectangular box 704 with colors thatindicate whether you are close to getting the document within the box. A“Tips” section 706 may also be utilized to provide direct written (orverbal) instructions to the user on how to capture a high quality image.FIG. 7C illustrates the hints screen 708 for a VIN capture process, withcontrasting edges at the corner of a document that make aligning theimage more difficult.

Pre-Processing of Mobile Image

The term “standard scanners” as used herein, but is not limited to,transport scanners, flat-bed scanners, and specialized check-scanners.Some manufacturers of transport scanners include UNISYS®, BancTec®,IBM®, and Canon®. With respect to specialized check-scanners, somemodels include the TellerScan® TS200 and the Panini® My Vision X.Generally, standard scanners have the ability to scan and produce highquality images, support resolutions from 200 dots per inch to 300 dotsper inch (DPI), produce gray-scale and bi-tonal images, and crop animage of a check from a larger full-page size image. Standard scannersfor other types of documents may have similar capabilities with evenhigher resolutions and higher color-depth.

The term “color images” as used herein, pertains to, but is not limitedto, images having a color depth of 24 bits per a pixel (24 bit/pixel),thereby providing each pixel with one of 16 million possible colors.Each color image is represented by pixels and the dimensions W (width inpixels) and H (height in pixels). An intensity function I maps eachpixel in the [W×H] area to its RGB-value. The RGB-value is a triple(R,G,B) that determines the color the pixel represents. Within thetriple, each of the R(Red), G(Green) and B(Blue) values are integersbetween 0 and 255 that determine each respective color's intensity forthe pixel.

The term “gray-scale images” as used herein may be considered, but isnot limited to, images having a color depth of 8 bits per a pixel (8bit/pixel), thereby providing each pixel with one of 256 shades of gray.As a person of ordinary skill in the art would appreciate, gray-scaleimages also include images with color depths of other various bit levels(e.g. 4 bit/pixel or 2 bit/pixel). Each gray-scale image is representedby pixels and the dimensions W (width in pixels) and H (height inpixels). An intensity function I maps each pixel in the [W×H] area ontoa range of gray shades. More specifically, each pixel has a valuebetween 0 and 255 which determines that pixel's shade of gray.

Bi-tonal images are similar to gray-scale images in that they arerepresented by pixels and the dimensions W (width in pixels) and H(height in pixels). However, each pixel within a bi-tonal image has oneof two colors: black or white. Accordingly, a bi-tonal image has a colordepth of 1 bit per a pixel (1 bit/pixel). The similarity transformation,as utilized by some embodiments of the invention, is based off theassumption that there are two images of [W×H] and [W′×H′] dimensions,respectively, and that the dimensions are proportional (i.e. W/W′=H/H′). The term “similarity transformation” may refer to atransformation ST from [W×H] area onto [W′×H′] area such that ST mapspixel p=p(x,y) on pixel p′=p′(x′,y′) with x′=x* W′/W and y=y * H′/H.

FIG. 8 is an image illustrating an example remittance coupon 800 thatcan be imaged with the systems and methods described herein. The mobileimage capture and processing systems and methods described herein can beused with a variety of documents, including financial documents such aspersonal checks, business checks, cashier's checks, certified checks,and warrants. By using an image of the remittance coupon 800, theremittance process can be automated and performed more efficiently. Aswould be appreciated by those of skill in the art, remittance couponsare not the only types of documents that might be processed using thesystem and methods described herein. For example, in some embodiments, auser can capture an image of a remittance coupon and an image of a checkassociated with a checking account from which the remittance paymentwill be funded.

FIG. 9 is a geometrically corrected image 900 created using imageprocessing techniques disclosed herein and using the mobile image of theremittance coupon 800 illustrated in FIG. 8. A remittance coupon mayinclude various fields, and some fields in the documents might beconsidered “primary” fields. For example, some remittance coupons alsoinclude computer-readable bar codes or code lines 905 that include textor other computer-readable symbols that can be used to encodeaccount-related information. The account-related information can be usedto reconcile a payment received with the account for which the paymentis being made. Code line 905 can be detected and decoded by a computersystem to extract the information encoded therein. The remittance couponcan also include an account number field 910 and an amount due field915. Remittance coupons can also include other fields, such as thebilling company name and address 920, a total outstanding balance, aminimum payment amount, a billing date, and payment due date. Theexamples are merely illustrative of the types of information that may beincluded on a remittance coupon and it will be understood that othertypes of information can be included on other types of remittancecoupons.

Once the image is captured and corrected, and the data is extracted andadjusted, then the image, data, and any required credential information,such as username, password, and phone or device identifier, can betransmitted to the remote server for further processing. This furtherprocessing is described in detail with respect to the remaining figuresin the description below.

Image Processing

Mobile device and remote server can be configured to perform variousprocessing on a mobile image to correct various defects in the imagequality that could prevent the remote server or the banking server frombeing able to process the remittance due to poor image quality.

For example, an out of focus image of a remittance coupon or check, inembodiments where the mobile device can also be used to capture checkimages for payment processing, can be impossible to read and processelectronically. For example, optical character recognition of thecontents of the imaged document based on a blurry mobile image couldresult in incorrect payment information being extracted from thedocument. As a result, the wrong account could be credited for thepayment or an incorrect payment amount could be credited. This may beespecially true if a check and a payment coupon are both difficult toread or the scan quality is poor.

Many different factors may affect the quality of an image and theability of a mobile device based image capture and processing system.Optical defects, such as out-of-focus images (as discussed above),unequal contrast or brightness, or other optical defects, can make itdifficult to process an image of a document, e.g., a check, paymentcoupon, deposit slip, etc. The quality of an image can also be affectedby the document position on a surface when photographed or the angle atwhich the document was photographed. This affects the image quality bycausing the document to appear, for example, right side up, upside down,skewed, etc. Further, if a document is imaged while upside-down it mightbe impossible or nearly impossible to for the system to determine theinformation contained on the document.

In some cases, the type of surface might affect the final image. Forexample, if a document is sitting on a rough surface when an image istaken, that rough surface might show through. In some cases the surfaceof the document might be rough because of the surface below it.Additionally, the rough surface may cause shadows or other problems thatmight be picked up by the camera. These problems might make it difficultor impossible to read the information contained on the document.

Lighting may also affect the quality of an image, for example, thelocation of a light source and light source distortions. Using a lightsource above a document can light the document in a way that improvesthe image quality, while a light source to the side of the documentmight produce an image that is more difficult to process. Lighting fromthe side can, for example, cause shadows or other lighting distortions.The type of light might also be a factor, for example, sun, electricbulb, florescent lighting, etc. If the lighting is too bright, thedocument can be washed out in the image. On the other hand, if thelighting is too dark, it might be difficult to read the image.

The quality of the image can also be affected by document features, suchas, the type of document, the fonts used, the colors selected, etc. Forexample, an image of a white document with black lettering may be easierto process than a dark colored document with black letters. Imagequality may also be affected by the mobile device used. Some mobilecamera phones, for example, might have cameras that save an image usinga greater number of mega pixels. Other mobile cameras phones might havean auto-focus feature, automatic flash, etc. Generally, these featuresmay improve an image when compared to mobile devices that do not includesuch features.

A document image taken using a mobile device might have one or more ofthe defects discussed above. These defects or others may cause lowaccuracy when processing the image, for example, when processing one ormore of the fields on a document. Accordingly, in some embodiments,systems and methods using a mobile device to create images of documentscan include the ability to identify poor quality images. If the qualityof an image is determined to be poor, a user may be prompted to takeanother image.

Detecting an Out of Focus Image

Mobile device and remote server can be configured to detect an out offocus image. A variety of metrics might be used to detect anout-of-focus image. For example, a focus measure can be employed. Thefocus measure can be the ratio of the maximum video gradient betweenadjacent pixels measured over the entire image and normalized withrespect to an image's gray level dynamic range and “pixel pitch”. Thepixel pitch may be the distance between dots on the image. In someembodiments a focus score might be used to determine if an image isadequately focused. If an image is not adequately focused, a user mightbe prompted to take another image.

According to an embodiment, the mobile device can be configured todetect whether an image is out of focus using the techniques disclosedherein. In an embodiment, the remote server can be configured to detectout of focus images. In some embodiments, the remote server can beconfigured to detect out of focus images and reject these images beforeperforming mobile image quality assurance testing on the image. In otherembodiments, detecting and out of focus image can be part of the mobileimage quality assurance testing.

According to an embodiment, an image focus score can be calculated as afunction of maximum video gradient, gray level dynamic range and pixelpitch. For example, in one embodiment:

Image Focus Score=(Maximum Video Gradient)*(Gray Level DynamicRange)*(Pixel Pitch)  (eq. 1)

The video gradient may be the absolute value of the gray level for afirst pixel “i” minus the gray level for a second pixel “i+1”. Forexample:

Video Gradient=ABS[(Grey level for pixel “i”)−(Gray level for pixel“i+1”)]  (eq.2)

The gray level dynamic range may be the average of the “n” lightestpixels minus the average of the “n” darkest pixels. For example:

Gray Level Dynamic Range=[AVE(“N” lightest pixels)−AVE(“N” darkestpixels)]  (eq. 3)

In equation 3 above, N can be defined as the number of pixels used todetermine the average darkest and lightest pixel gray levels in theimage. In some embodiments, N can be chosen to be 64. Accordingly, insome embodiments, the 64 darkest pixels are averaged together and the 64lightest pixels are averaged together to compute the gray level dynamicrange value.

The pixel pitch can be the reciprocal of the image resolution, forexample, in dots per inch.

In other words, as defined above, the pixel pitch is the distancebetween dots on the image because the Image Resolution is the reciprocalof the distance between dots on an image.

Pixel Pitch=[1/Image Resolution]  (eq. 4)

In other words, as defined above, the pixel pitch is the distancebetween dots on the image because the Image Resolution is the reciprocalof the distance between dots on an image.

Detecting and Correcting Perspective Distortion

FIG. 10 is a diagram illustrating an example of perspective distortionin an image of a rectangular shaped document. An image can containperspective transformation distortions 2500 such that a rectangle canbecome a quadrangle ABCD 2502, as illustrated in the figure. Theperspective distortion can occur because an image is taken using acamera that is placed at an angle to a document rather than directlyabove the document. When directly above a rectangular document it willgenerally appear to be rectangular. As the imaging device moves fromdirectly above the surface, the document distorts until it can no longerbe seen and only the edge of the page can be seen.

The dotted frame 2504 comprises the image frame obtained by the camera.The image frame is be sized h×w, as illustrated in the figure.Generally, it can be preferable to contain an entire document within theh×w frame of a single image. It will be understood, however, that somedocuments are too large or include too many pages for this to bepreferable or even feasible.

In some embodiments, an image can be processed, or preprocessed, toautomatically find and “lift” the quadrangle 2502. In other words, thedocument that forms quadrangle 502 can be separated from the rest of theimage so that the document alone can be processed. By separatingquadrangle 2502 from any background in an image, it can then be furtherprocessed.

The quadrangle 2502 can be mapped onto a rectangular bitmap in order toremove or decrease the perspective distortion. Additionally, imagesharpening can be used to improve the out-of-focus score of the image.The resolution of the image can then be increased and the imageconverted to a black-and-white image. In some cases, a black-and-whiteimage can have a higher recognition rate when processed using anautomated document processing system in accordance with the systems andmethods described herein.

An image that is bi-tonal, e.g., black-and-white, can be used in somesystems. Such systems can require an image that is at least 200 dots perinch resolution. Accordingly, a color image taken using a mobile devicecan need to be high enough quality so that the image can successfully beconverted from, for example, a 24 bit per pixel (24 bit/pixel) RGB imageto a bi-tonal image. The image can be sized as if the document, e.g.,check, payment coupon, etc., was scanned at 200 dots per inch.

FIG. 11 is a diagram illustrating an example original image, focusrectangle and document quadrangle ABCD in accordance with the example ofFIG. 10. In some embodiments it can be necessary to place a document forprocessing at or near the center of an input image close to the camera.All points A, B, C and D are located in the image, and the focusrectangle 2602 is located inside quadrangle ABCD 2502. The document canalso have a low out-of-focus score and the background surrounding thedocument can be selected to be darker than the document. In this way,the lighter document will stand out from the darker background.

Image Correction

FIG. 12 is a flow diagram illustrating a method for correcting defectsto mobile image according to an embodiment. According to an embodiment,the method illustrated in FIG. 12 can be performed by the imagecorrection unit 404 implemented on the remote server. The methodillustrated in FIG. 12 can be implemented as part of step S210 of themethod illustrated in FIG. 2. The image correction unit can also receivea mobile image and processing parameters from the mobile device.According to some embodiments, some or all of the image correctionfunctionality of the image correction unit can be implemented on themobile device, and the mobile device can be configured to send acorrected mobile image to the remote server for further processing.

According to an embodiment, the image correction unit can also beconfigured to detect an out of focus image using the technique describedabove and to reject the mobile image if the image focus score for theimage falls below a predetermined threshold without attempting toperform other image correction techniques on the image. According to anembodiment, the image correction unit can send a message to the mobiledevice 340 indicating that the mobile image was too out of focus to beused and requesting that the user retake the image.

The image correction unit can be configured to first identify thecorners of a coupon or other document within a mobile image (step 1205).One technique that can be used to identify the corners of the remittancecoupon in a color image is illustrated in FIG. 12 and is described indetail below. The corners of the document can be defined by a set ofpoints A, B, C, and D that represent the corners of the document anddefine a quadrangle.

The image correction unit can be configured to then build a perspectivetransformation for the remittance coupon (step 1210). As can be seen inFIG. 8, the angle at which an image of a document is taken can cause therectangular shape of the remittance coupon to appear distorted. FIG. 10and its related description above provide some examples of how aperspective transformation can be constructed for a quadrangle definedby the corners A, B, C, and D according to an embodiment. For example,the quadrangle identified in step 1210 can be mapped onto a same-sizedrectangle in order to build a perspective transformation that can beapplied to the document subimage, i.e. the portion of the mobile imagethat corresponds to the remittance coupon, in order to correctperspective distortion present in the image.

A geometrical transformation of the document subimage can be performedusing the perspective transformation built in step 1210 (step 1215). Thegeometrical transformation corrects the perspective distortion presentin the document subimage. An example of results of geometricaltransformation can be seen in FIG. 9 where a document subimage of theremittance coupon pictured in FIG. 8 has been geometrically corrected toremove perspective distortion.

A “dewarping” operation can also be performed on the document subimage(step 1220). An example of a warping of a document in a mobile image isprovided in FIG. 38. Warping can occur when a document to be imaged isnot perfectly flat or is placed on a surface that is not perfectly flat,causing distortions in the document subimage. A technique foridentifying warping in a document subimage is illustrated in FIG. 39.

According to an embodiment, the document subimage can also binarized(step 1225). A binarization operation can generate a bi-tonal image withcolor depth of 1 bit per a pixel (1 bit/pixel). Some automatedprocessing systems, such as some Remote Deposit systems require bi-tonalimages as inputs. A technique for generating a bi-tonal image isdescribed below with respect to FIG. 13. FIG. 15 illustrates a binarizedversion of the geometrically corrected mobile document image of theremittance coupon illustrated in FIG. 9. As illustrated, in the bi-tonalimage of FIG. 15, the necessary information, such as payees, amounts,account number, etc., has been preserved, while extra information hasbeen removed. For example, background patterns that might be printed onthe coupon are not present in the bi-tonal image of the remittancecoupon. Binarization of the subimage also can be used to remove shadowsand other defects caused by unequal brightness of the subimage.

Once the image has been binarized, the code line of the remittancecoupon can be identified and read (step 1230). As described above, manyremittance coupons include a code line that comprises computer-readabletext that can be used to encode account-related information that can beused to reconcile a payment received with the account for which thepayment is being made. Code line 905 of FIG. 9 illustrates an example ofcode line on a remittance coupon.

Often, a standard optical character recognition font, the OCR-A font, isused for printing the characters comprising the code line. The OCR-Afont is a fixed-width font where the characters are typically spaced0.10 inches apart. Because the OCR-A font is a standardized fixed-widthfont, the image correction unit can use this information to determininga scaling factor for the image of the remittance coupon. The scalingfactor to be used can vary from image to image, because the scaling isdependent upon the position of the camera or other image capture devicerelative to the document being imaged and can also be dependent uponoptical characteristics of the device used to capture the image of thedocument. FIG. 23 illustrates a scaling method that can be used todetermine a scaling factor to be applied according to an embodiment. Themethod illustrated in FIG. 23 is related to scaling performed on aMICR-line of a check, but can be used to determine a scaling factor foran image of a remittance coupon based on the size of the text in thecode line of the image of the remittance coupon.

Once the scaling factor for the image has been determined, a finalgeometrical transformation of the document image can be performed usingthe scaling factor (step 1235). This step is similar to that in step1215, except the scaling factor is used to create a geometricallyaltered subimage that represents the actual size of the coupon at agiven resolution. According to an embodiment, the dimensions of thegeometrically corrected image produced by set 635 are identical to thedimensions of an image produced by a flatbed scanner at the sameresolution.

During step 1235, other geometrical corrections can also be made, suchas correcting orientation of the coupon subimage. The orientation of thecoupon subimage can be determined based on the orientation of the textof the code line.

Once the final geometrical transformation has been applied, a finaladaptive binarization can be performed on the grayscale image generatedin step 1235 (step 1240). The bi-tonal image output by this step willhave the correct dimensions for the remittance coupon because thebi-tonal image is generated using the geometrically corrected imagegenerated in step 1235.

According to an embodiment, the image correction unit can be configuredto use several different binarization parameters to generate two or morebi-tonal images of the remittance coupon. The use of multiple images canimprove data capture results. The use of multiple bi-tonal images toimprove data captures results is described in greater detail below.

Detecting Document within Color Mobile Image

Referring now to FIG. 13, a flowchart is provided illustrating anexample method for automatic document detection within a color imagefrom a mobile device. According to an embodiment, the method illustratedin FIG. 13 can be used to implement step 1205 of the method illustratedin FIG. 12. Typically, the operations described within method of FIG. 13are performed within an automatic document detection unit of the remoteserver; however, embodiments exist where the operations reside inmultiple units. In addition, generally the automatic document detectionunit takes a variety of factors into consideration when detecting thedocument in the mobile image. The automatic document detection unit cantake into consideration arbitrary location of the document within themobile image, the 3-D distortions within the mobile image, the unknownsize of the document, the unknown color of the document, the unknowncolor(s) of the background, and various other characteristics of themobile engine, e.g. resolution, dimensions, etc.

The method of FIG. 13 begins at step 1502 by receiving the originalcolor image from the mobile device. Upon receipt, this original colorimage is converted into a smaller color image, also referred to as acolor “icon” image, at operation 1504. This color “icon” image preservesthe color contrasts between the document and the background, whilesuppressing contrasts inside the document. A detailed description of anexample conversion process is provided with respect to FIG. 16.

A color reduction operation is then applied to the color “icon” image atstep 1506. During the operation, the overall color of the image can bereduced, while the contrast between the document and its background canbe preserved within the image. Specifically, the color “icon” image ofoperation 1504 can be converted into a gray “icon” image (also known asa gray-scale “icon” image) having the same size. An example, color depthreduction process is described with further detail with respect to FIG.18.

The corners of the document are then identified within the gray “icon”image (step 1310). As previously noted above with respect to FIG. 10,these corners A, B, C, and D make up the quadrangle ABCD (e.g.quadrangle ABCD 2502). Quadrangle ABCD, in turn, makes up the perimeterof the document. Upon detection of the corners, the location of thecorners is outputted (step 1310).

Binarization

FIG. 14 illustrates a binarization method that can be used to generate abi-tonal image from a document image according to an embodiment. Themethod illustrated in FIG. 10 can be used to implement the binarizationstep 1225 of the method illustrated in FIG. 12. In an embodiment, thesteps of the method illustrated in FIG. 14 can be performed within unitof the remote server.

A binarization operation generates a bi-tonal image with color depth of1 bit per a pixel (1 bit/pixel). In the case of documents, such aschecks and deposit coupons, a bi-tonal image is required for processingby automated systems, such as Remote Deposit systems. In addition, manyimage processing engines require such an image as input. The method ofFIG. 14 illustrates binarization of a gray-scale image of a document asproduced by geometrical operation 1004. This particular embodiment usesa novel variation of well-known Niblack's method of binarization. Assuch, there is an assumption that the gray-scale image received has athe dimensions W pixel×H pixels and an intensity function I(x,y) givesthe intensity of a pixel at location (x,y) in terms one of 256 possiblegray-shade values (8 bit/pixel). The binarization operation will convertthe 256 gray-shade value to a 2 shade value (1 bit/pixel), using anintensity function B(x,y). In addition, to apply the method, a slidingwindow with dimensions w pixels×h pixels is defined and a threshold Tfor local (in-window) standard deviation of gray image intensity I(x,y)is defined. The values of w, h, and T are all experimentally determined.

A gray-scale image of the document is received at step 1402, the method1400 chooses a pixel p(x,y) within the image at step 1404. In FIG. 14,the average (mean) value ave and standard deviation σ of the chosenpixel's intensity I(x,y) within the w×h current window location(neighborhood) of pixel p(x,y) are computed (step 1406). If the standarddeviation σ is determined to be too small at operation 1408 (i.e. σ<T),pixel p(x,y) is considered to low-contrast and, thus, part of thebackground. Accordingly, at step 1410, low-contrast pixels are convertedto white, i.e. set B(x,y) set to 1, which is white; however, if thedeviation σ is determined to be larger or equal to the threshold T, i.e.σ≥T, the pixel p(x,y) is considered to be part of the foreground. Instep 1412, if I(p)<ave−k*σ, pixel p is considered to be a foregroundpixel and therefore B(x,y) is set to 0 (black). Otherwise, the pixel istreated as background and therefore B(x,y) is set to 1. In the formulaabove, k is an experimentally established coefficient.

Subsequent to the conversion of the pixel at either step 1410 oroperation 1412, the next pixel is chosen at step 1414, and operation1406 is repeated until all the gray-scale pixels (8 bit/pixel) areconverted to a bi-tonal pixel (1 bit/pixel). However, if no more pixelsremain to be converted 1418, the bi-tonal image of the document is thenoutputted at step 1420.

Conversion of Color Image to Icon Image

Referring now to FIG. 16, a flowchart is provided describing an examplemethod for conversion of a color image to a smaller “icon” imageaccording to an embodiment. This method can be used to implement step1304 of the method illustrated FIG. 13. The smaller “icon” imagepreserves the color contrasts between the document depicted therein andits background, while suppressing contrasts inside the document. Uponreceipt of the original color image from the mobile device (step 1601),over-sharpening is eliminated within the image (step 1602). Accordingly,assuming the color input image I has the dimensions of W×H pixels,operation 1602 averages the intensity of image I and downscales image Ito image I′, such that image I′ has dimensions that are half that ofimage I (i.e. W′=W/2 and H′=H/2). Under certain embodiments, the colortransformation formula can be described as the following:

C(p′)=ave {C(q): q in SxS-window of p}, where  (eq. 5)

C is any of red, green or blue components of color intensity;

p′ is any arbitrary pixel on image I′ with coordinates (x′,y′);

p is a corresponding pixel on image I:p=p(x,y), where x=2 *x′ andy=2*y′;

q is any pixel included into SxS-window centered in p;

S is established experimentally; and

ave is averaging over all q in the SxS-window.

Small “dark” objects within the image can then be eliminated (step1604). Examples of such small “dark” objects include, but are notlimited to, machine-printed characters and hand-printed charactersinside the document. Hence, assuming operation 1604 receives image I′from step 1602, step 1604 creates a new color image I″ referred to as an“icon” with width W″ set to a fixed small value and height H″ set toW″*(H/W), thereby preserving the original aspect ratio of image I. Insome embodiments, the transformation formula can be described as thefollowing:

C(p″)=max {C (q′): q′ in S′xS′-window of p′}, where  (eq. 6)

C is any of red, green or blue components of color intensity;

p″ is an arbitrary pixel on image I″;

p′ is a pixel on image I′ which corresponds to p″ under similaritytransformation, as previously defined;

q′ is any pixel on image I′ included into S′xS′-window centered in p′;

max is maximum over all q′ in the S′xS′-window;

W″ is established experimentally;

S′ is established experimentally for computing the intensity I″; and

I″(p″) is the intensity value defined by maximizing the intensityfunction I′ (p′) within the window of corresponding pixel p′ on imageI′, separately for each color plane.

The reason for using the “maximum” rather than “average” is to make the“icon” whiter (white pixels have a RGB-value of (255,255,255)).

In the next operation 1606, the high local contrast of “small” objects,such as lines, text, and handwriting on a document, is suppressed, whilethe other object edges within the “icon” are preserved. Often, theseother object edges are bold. In various embodiments of the invention,multiple dilation and erosion operations, also known as morphologicalimage transformations, are utilized in the suppression of the high localcontrast of “small” objects. Such morphological image transformationsare commonly known and used by those of ordinary skill in the art. Thesequence and amount of dilation and erosion operations used isdetermined experimentally. Subsequent to the suppression operation 1606,a color “icon” image is outputted at operation 1608. FIG. 17B depicts anexample of the mobile image of a check illustrated in FIG. 17A afterbeing converted into a color “icon” image according to an embodiment.

Color Depth Reduction

Referring now to FIG. 18, a flowchart is provided illustrating anexample method that provides further details with respect to the colordepth reduction operation 1306 as illustrated in FIG. 13. At step 1301,a color “icon” image for color reduction is received. The color “icon”image is divided into a grid (or matrix) of fixed length and width withequal size grid elements at operation 1302. In some embodiments, thepreferred grid size is such that there is a center grid element. Forexample, a grid size of 3×3 may be employed. FIG. 19A depicts an exampleof the color “icon” image of FIG. 19B after operation 1302 has dividedit into a 3×3 grid in accordance with one embodiment of the invention.

Then, at step 1304, the “central part” of the icon, which is usually thecenter most grid element, has its color averaged. Next, the averagecolor of the remaining parts of the icon is computed at step 1306. Morespecifically, the grid elements “outside” the “central part” of the“icon” have their colors averaged. Usually, in instances where there isa central grid element, e.g. 3×3 grid, the “outside” of the “centralpart” comprises all the grid elements other than the central gridelement.

Subsequently, a linear transformation for the RGB-space is determined atstep 1308. The linear transformation is defined such that it maps theaverage color of the “central part” computed during operation 1304 towhite, i.e. 255, while the average color of the “outside” computedduring operation 1306 maps to black, i.e. 0. All remaining colors arelinearly mapped to a shade of gray. This linear transformation, oncedetermined, is used at operation 1310 to transform all RGB-values fromthe color “icon” to a gray-scale “icon” image, which is then outputtedat operation 1312. Within particular embodiments, the resulting gray“icon” image, also referred to as a gray-scale “icon” image, maximizesthe contrast between the document background, assuming that the documentis located close to the center of the image and the background. FIG. 15Bdepicts an example of the color “icon” image of FIG. 13B once it hasbeen converted to a gray “icon” image in accordance with one embodiment.

Referring now to FIG. 20, a flowchart is provided illustrating anexample method for finding document corners from a gray “icon” imagecontaining a document. The method illustrated in FIG. 20 can be used toimplement step 1308 of the method illustrated in FIG. 13. Upon receivinga gray “icon” image at operation 2001, the “voting” points on the gray“icon” image are found in step 2002 for each side of the documentdepicted in the image. Consequently, all positions on the gray “icon”image that could be approximated with straight line segments torepresent left, top, right, and bottom sides of the document are found.

In accordance with one embodiment, this goal is achieved by firstlooking for the “voting” points in the half of the “icon” thatcorresponds with the current side of interest. For instance, if thecurrent side of interest is the document's top side, the upper part ofthe “icon” (Y<H/2) is examined while the bottom part of the “icon”(Y≥H/2) is ignored.

Within the selected half of the “icon,” the intensity gradient(contrast) in the correct direction of each pixel is computed. This isaccomplished in some embodiments by considering a small window centeredin the pixel and, then, breaking the window into an expected“background” half where the gray intensity is smaller, i.e. where it issupposed to be darker, and into an expected “doc” half where the grayintensity is higher, i.e. where it is supposed to be whiter. There is abreak line between the two halves, either horizontal or verticaldepending on side of the document sought to be found. Next the averagegray intensity in each half-window is computed, resulting in an averageimage intensity for the “background” and an average image intensity ofthe “doc.” The intensity gradient of the pixel is calculated bysubtracting the average image intensity for the “background” from theaverage image intensity for the “doc.”

Eventually, those pixels with sufficient gray intensity gradient in thecorrect direction are marked as “voting” points for the selected side.The sufficiency of the actual gray intensity gradient threshold fordetermining is established experimentally.

Continuing with method 2000, candidate sides, i.e. line segments thatpotentially represent the sides of the document, i.e. left, top, right,and bottom sides, are found. In order to do so, some embodiments findall subsets within the “voting” points determined in step 2002 thatcould be approximated by a straight line segment (linear approximation).In many embodiments, the threshold for linear approximation isestablished experimentally. This subset of lines is defined as the side“candidates.” As an assurance that the set of side candidates is neverempty, the gray “icon” image's corresponding top, bottom, left, andright sides are also added to the set.

Next, in step 2006 chooses the best candidate for each side of thedocument from the set of candidates selected in operation 2004, therebydefining the position of the document within the gray “icon” image. Inaccordance with some embodiments, the following process is used inchoosing the best candidate for each side of the document:

The process starts with selecting a quadruple of line segments {L, T, R,B}, where L is one of the candidates for the left side of the document,T is one of the candidates for the top side of the document, R is one ofthe candidates for the right side of the document, and B is one of thecandidates for the bottom side of the document. The process thenmeasures the following characteristics for the quadruple currentlyselected.

The amount of “voting” points is approximated and measured for all linesegments for all four sides. This amount value is based on theassumption that the document's sides are linear and there is asignificant color contrast along them. The larger values of thischaracteristic increase the overall quadruple rank.

The sum of all intensity gradients over all voting points of all linesegments is measured. This sum value is also based on the assumptionthat the document's sides are linear and there is a significant colorcontrast along them. Again, the larger values of this characteristicincrease the overall quadruple rank.

The total length of the segments is measured. This length value is basedon the assumption that the document occupies a large portion of theimage. Again, the larger values of this characteristic increase theoverall quadruple rank.

The maximum of gaps in each corner is measured. For example, the gap inthe left/top corner is defined by the distance between the uppermostpoint in the L-segment and the leftmost point in the T-segment. Thismaximum value is based on how well the side-candidates suit theassumption that the document's shape is quadrangle. The smaller valuesof this characteristic increase the overall quadruple rank.

The maximum of two angles between opposite segments, i.e. between L andR, and between T and R, is measured. This maximum value is based on howwell the side-candidates suit the assumption that the document's shapeis close to parallelogram. The smaller values of this characteristicincrease the overall quadruple rank.

The deviation of the quadruple's aspect ratio from the “ideal” documentaspect ratio is measured. This characteristic is applicable to documentswith a known aspect ratio, e.g. checks. If the aspect ratio is unknown,this characteristic should be excluded from computing the quadruple'srank. The quadruple's aspect ratio is computed as follows:

Find the quadrangle by intersecting the quadruple's elements;

Find middle-point of each of the four quadrangle's sides;

Compute distances between middle-points of opposite sides, say D1 andD2;

Find the larger of the two ratios: R=max(D1/D2, D2/D1);

Assuming that the “ideal” document's aspect ratio is known andMin/MaxAspectRatio represent minimum and maximum of the aspect ratiorespectively, define the deviation in question as:

0, if MinAspectRatio<=R<=MaxAspectRatio

MinAspectRatio−R, if R<MinAspectRatio

R−MaxAspectRatio, if R>MaxAspectRatio.

For checks, MinAspectRatio can be set to 2.0 and MaxAspectRatio can beset to 3.0.

This aspect ratio value is based on the assumption that the document'sshape is somewhat preserved during the perspective transformation. Thesmaller values of this characteristic increase the overall quadruplerank.

Following the measurement of the characteristics of the quadruple notedabove, the quadruple characteristics are combined into a single value,called the quadruple rank, using weighted linear combination. Positiveweights are assigned for the amount of “voting” points, the sum all ofintensity gradients, and the total length of the segments. Negativesweights are assigned for maximum gaps in each corner, maximum two anglesbetween opposite segments, and the deviation of the quadruple's aspectratio. The exact values of each of the weights are establishedexperimentally.

The operations set forth above are repeated for all possiblecombinations of side candidates, eventually leading to the “best”quadruple, which is the quadruple with the highest rank. The document'scorners are defined as intersections of the “best” quadruple's sides,i.e. the best side candidates.

In, step 2008 the corners of the document are defined using theintersections of the best side candidates. A person of ordinary skill inthe art would appreciate that these corners can then be located on theoriginal mobile image by transforming the corner locations found on the“icon” using the similarity transformation previously mentioned. Method2000 concludes at step 2010 where the locations of the corners definedin step 2008 are output.

Geometric Correction

FIG. 21 provides a flowchart that illustrates an example method forgeometric correction in accordance with the invention according to anembodiment. According to an embodiment, the method illustrated in FIG.21 can be used to implement steps 1210, 1215, and 1235 of the methodillustrated in FIG. 12. As previously mentioned, geometric correction isneeded to correct any possibly perspective distortions that exist in theoriginal mobile image. Additionally, geometric correction can correctthe orientation of the documentation within the original mobile image,e.g. document is orientated at 90, 180, or 270 degrees where theright-side-up orientation is 0 degrees. It should be noted that in someembodiments, the orientation of the document depends on the type ofdocument depicted in the mobile image, as well as the fields ofrelevance on the document.

In instances where the document is in landscape orientation (90 or 270degrees), as illustrated by the check in FIG. 22A, geometric correctionis suitable for correcting the orientation of the document. Where thedocument is at 180 degree orientation, detection of the 180 degreeorientation and its subsequent correction are suitable when attemptingto locate an object of relevance on the document. A codeline for aremittance coupon can be located in various locations on the remittancecoupon, and might not be located along the bottom of the coupon. Theability to detect a codeline in an image of the remittance couponchanges significantly after the document has been rotated 180-degrees.In contrast, the MICR-line of check is generally known to be at aspecific location along the bottom of the document, and the MICR-linecan be used to determine the current orientation of the check within themobile image. In some embodiments, the object of relevance on a documentdepends on the document's type. For example, where the document is acontract, the object of relevance may be a notary seal, signature, orwatermark positioned at a known position on the contract. Greater detailregarding correction of a document (specifically, a check) havingupside-down orientation (180 degree orientation) is provided withrespect to FIG. 23.

According to some embodiments, a mathematical model of projectivetransformations is built and converts the distorted image into arectangle-shaped image of predefined size. According to an embodiment,this step corresponds to step 1210 of FIG. 12. In an example, where thedocument depicted in mobile image is a check, the predefined size isestablished as 1200×560 pixels, which is roughly equivalent to thedimensions of a personal check scanned at 200 DPI. In other embodiments,where the document depicted is a remittance coupon, the size of theremittance coupons may not be standardized. However, the size andspacing of the characters comprising the code line can be used todetermine a scaling factor to be applied to the image to correct thesize of the image of the remittance coupon relative to a specificresolution.

Continuing with reference to the method of FIG. 21, there are twoseparate paths of operations that are either performed sequentially orconcurrently, the outputs of which are eventually utilized in the finaloutput. One path of operations begins at step 1504 where the originalmobile image in color is received. In step 1508, the color depth of theoriginal mobile image is reduced from a color image with 24 bit per apixel (24 bit/pixel) to a gray-scale image with 8 bit per a pixel (8bit/pixel). This image is subsequently outputted to step 1516 as aresult of step 1512.

The other path of operations begins at step 1502, where the positions ofthe document's corners within the gray “icon” image are received. Basedoff the location of the corners, the orientation of the document isdetermined and the orientation is corrected (step 1506). In someembodiments, this operation uses the corner locations to measure theaspect ratio of the document within the original image. Subsequently, amiddle-point between each set of corners can be found, wherein each setof corners corresponds to one of the four sides of the depicteddocument, resulting in the left (L), top (T), right (R), and bottom (B)middle-points (step 1506). The distance between the L to R middle-pointsand the T to B middle points are then compared to determine which of thetwo pairs has the larger distance. This provides step 1506 with theorientation of the document.

In some instances, the correct orientation of the document depends onthe type of document that is detected. For example, as illustrated inFIG. 22A, where the document of interest is a check, the document isdetermined to be in landscape orientation when the distance between thetop middle-point and bottom middle-point is larger than the distancebetween the left middle-point and the right middle-point. The oppositemight be true for other types of documents.

If it is determined in step 1506 that an orientation correction isnecessary, then the corners of the document are shifted in a loop,clock-wise in some embodiments and counter-clockwise in otherembodiments.

At step 1510, the projective transformation is built to map the image ofthe document to a predefined target image size of width of W pixels andheight of H pixels. In some embodiments, the projective transformationmaps the corners A, B, C, and D of the document as follows: corner A to(0,0), corner B to (W,0), corner C to (W,H), and corner D to (0,H).Algorithms for building projective transformation are commonly known andused amongst those of ordinary skill in the art.

At step 1516, the projective transformation created during step 1514 isapplied to the mobile image in gray-scale as outputted as a result ofstep 1512. The projective transformation as applied to the gray-scaleimage of step 1512 results in all the pixels within the quadrangle ABCDdepicted in the gray-scale image mapping to a geometrically corrected,gray-scale image of the document alone. FIG. 22B is an examplegray-scale image of the document depicted in FIG. 17A once a geometricalcorrection operation in accordance with the invention is appliedthereto. The process concludes at operation 1518 where the gray-scaleimage of the document is outputted to the next operation.

Correcting Landscape Orientation

FIG. 23 is a flow chart illustrating a method for correcting landscapeorientation of a document image according to an embodiment. Aspreviously noted, the geometric correction operation as described inFIG. 21 is one method in accordance with the invention for correcting adocument having landscape orientation within the mobile image. However,even after the landscape orientation correction, the document still mayremain in upside-down orientation. In order to the correct upside-downorientation for certain documents, some embodiments of the inventionrequire the image containing the document be binarized beforehand.Hence, the orientation correction operation included in step 1235usually follows the binarization operation of 1225. While the embodimentdescribed herein uses the MICR-line of a check or determine theorientation of an image, the code line of a remittance coupon can beused to determine the orientation of a remittance coupon using thetechnique described herein.

Upon receiving the bi-tonal image of the check at operation 1702, theMICR-line at the bottom of the bi-tonal check image is read at operation1704 and an MICR-confidence value is generated. This MICR-confidencevalue (MC1) is compared to a threshold value T at operation 1706 todetermine whether the check is right-side-up. If MC1>T at operation1708, then the bi-tonal image of the check is right side up and isoutputted at operation 1710.

However, if MC1≤T at operation 1708, then the image is rotated 180degrees at operation 1712, the MICR-line at the bottom read again, and anew MICR-confidence value generated (MC2). The rotation of the image by180 degree is done by methods commonly-known in the art. TheMICR-confidence value after rotation (MC2) is compared to the previousMICR-confidence value (MC1) plus a Delta at operation 1714 to determineif the check is now right-side-up. If MC2>MC2+Delta at operation 1716,the rotated bi-tonal image has the check right-side-up and, thus, therotated image is outputted at operation 1718. Otherwise, ifMC2≤MC2+Delta at operation 1716, the original bi-tonal image of thecheck is right-side-up and outputted at operation 1710. Delta is apositive value selected experimentally that reflects a higher a prioriprobability of the document initially being right-side-up thanupside-down.

Size Correction

FIG. 24 provides a flowchart illustrating an example method for sizecorrection of an image according to an embodiment. The method of FIG. 24can be used to implement the size correction step described in relationto step 1230 of FIG. 12. Specifically, FIG. 24 illustrates an examplemethod, in accordance with one embodiment, for correcting the size of aremittance coupon within a bi-tonal image, where the remittance couponis oriented right-side-up. A person of ordinary skill in the art wouldunderstand and appreciate that this method can operate differently forother types of documents, e.g. deposit coupons, remittance coupons.

Since many image processing engines are sensitive to image size, it iscrucial that the size of the document image be corrected before it canbe properly processed. For example, a form identification engine mayrely on the document size as an important characteristic for identifyingthe type of document that is being processed. Generally, for financialdocuments such as remittance coupons, the image size should beequivalent to the image size produced by a standard scanner running at200 DPI.

In addition, where the document is a remittance coupon, the size of theremittance coupons vary widely across different biller. Hence, in orderto restore the size of remittance coupons that have been geometricallycorrected in accordance with the invention at a predefined image size of1200×560 pixels, the size correction operation is performed.

Referring now to FIG. 24, after receiving a bi-tonal image containing aremittance coupon that is orientated right-side-up at operation 1802,the codeline at the bottom of the remittance coupon is read at operation1804. This allows the average width of the codeline characters to becomputed at operation 1806. In doing so, the computer average width getscompared to the average size of a codeline character at 200 DPI atoperation 1808, and a scaling factor is computed accordingly. In someembodiments of the invention, the scaling factor SF is computer asfollows:

SF=AW ₂₀₀ /AW, where  (eq. 7)

AW is the average width of the MICR-character found; and

AW₂₀₀ is the corresponding “theoretical” value based on the ANSI x9.37standard (Specifications for Electronic Exchange of Check and ImageData) at 200 DPI.

The scaling factor is used at operation 1810 to determine whether thebi-tonal image of the remittance coupon requires size correction. If thescaling SF is determined to be less than or equal to 1.0+Delta, then themost recent versions of the remittance coupon's bi-tonal image and theremittance coupon's the gray-scale image are output at operation 1812.Delta defines the system's tolerance to wrong image size.

If, however, the scaling factor SF is determined to be higher than1.0+Delta, then at operation 1814 the new dimensions of the remittancecoupon are computed as follows:

AR=H _(S) /W _(S)  (eq. 8)

W′=W*SF  (eq. 9)

H′=AR*W′, where  (eq. 10)

H_(S) and W_(S) are the height and width of the remittance couponsnippet found on the original image;

AR is the remittance coupon aspect ratio which we want to maintain whilechanging the size;

W is the width of geometrically corrected image before its size isadjusted;

W′ is the adjusted remittance coupon's width in pixels; and

H′ is the adjusted remittance coupon's height in pixels.

Subsequent to re-computing the new dimensions, operation 1814 repeatsgeometrical correction and binarization using the newly dimensionedremittance coupon image. Following the repeated operations, operation1812 outputs the resulting bi-tonal image of the remittance coupon andgray-scale image of the remittance coupon.

Image Quality Assurance

Once the remote server has processed a mobile image (see step S216 ofthe method illustrated in FIG. 2), the remote server can be configuredto perform image quality assurance processing on the mobile image todetermine whether the quality of the image is sufficient to submit tobanking server 112.

FIG. 25 illustrates a mobile document image processing engine (MDIPE)unit 2100 for performing quality assurance testing on mobile documentimages according to an embodiment. The MDIPE unit 2100 can receive amobile document image captured by a mobile device, or multiple mobileimages for some tests; perform preprocessing on the mobile documentimage; select tests to be performed on the mobile document image; andexecute the selected tests to determine whether the quality of the imageof a high enough quality for a particular mobile application. The MDIPEunit 2100 includes a preprocessing unit 2110 and test execution unit2130. The preprocessing unit 2110 can be configured to receive a mobileimage 2105 captured using a camera of a mobile device as well asprocessing parameters 2107. According to an embodiment, the mobile image2105 and the processing parameters 2107 can be passed to MDIPE 2100 by amobile application on the mobile device where the mobile applicationprovides the mobile image 2105 to the MDIPE 2100 to have the quality ofthe mobile image 2105 assessed.

The processing parameters 2107 can include various information that theMDIPE 2100 can use to determine which tests to run on the mobile image2105. For example, the processing parameters 2107 can identify the typeof device used to capture the mobile image 2105, the type of mobileapplication that will be used to process the mobile image if the mobileimage passes the IQA testing, or both. The MDIPE 2100 can use thisinformation to determine which tests to select from test data store 2132and which test parameters to select from test parameter data store 2134.For example, if a mobile image is being tested for a mobile depositapplication that expects an image of a check, a specific set of testsrelated to assessing the image quality for a mobile image of a check canbe selected, such as an MICR-line test, or a test for whether an imageis blurry, etc. The MDIPE 2100 can also select test parameters from testparameters data store 2134 that are appropriate for the type of image tobe processed, or for the type of mobile device that was used to capturethe image, or both. In an embodiment, different parameters can beselected for different mobile phones that are appropriate for the typeof phone used to capture the mobile image. For example, some mobilephones might not include an autofocus feature.

The preprocessing unit 2110 can process the mobile document image toextract a document snippet that includes the portion of the mobiledocument that actually contains the document to be processed. Thisportion of the mobile document image is also referred to herein as thedocument subimage. The preprocessing unit 2110 can also perform otherprocessing on the document snippet, such as converting the image to agrayscale or bi-tonal document snippet, geometric correction of thedocument subimage to remove view distortion, etc. Different tests canrequire different types of preprocessing to be performed, and thepreprocessing unit 2110 can produce mobile document snippets from amobile document image depending on the types of mobile IQA tests to beexecuted on the mobile document image.

The test execution unit 2130 receives the selected tests and testparameters 2112 and the preprocessed document snippet (or snippets) 120from the preprocessing mobile 110. The test execution unit 2130 executesthe selected tests on the document snippet generated by thepreprocessing unit 2110. The test execution unit 2130 also uses the testparameters provided by the preprocessing unit 2110 when executing thetest on the document snippet. The selected tests can be a series of oneor more tests to be executed on the document snippets to determinewhether the mobile document image exhibits geometrical or other defects.

The test execution unit 2130 executes each selected test to obtain atest result value for that test. The test execution unit 2130 thencompares that test result value to a threshold value associated with thetest. If the test result value is equal to or exceeds the threshold,then the mobile image has passed the test. Otherwise, if the test resultvalue is less than the threshold, the mobile document image has failedthe test. According to some embodiments, the test execution unit 2130can store the test result values for the tests performed in test resultsdata store 2138.

According to an embodiment, the test threshold for a test can be storedin the test parameters data store 2134 and can be fetched by thepreprocessing unit 2110 and included with the test parameters 2112provided to the test execution unit 2130. According to an embodiment,different thresholds can be associated with a test based on theprocessing parameters 2107 received by the preprocessing unit 2110. Forexample, a lower threshold might be used for an image focus IQA test forimage capture by camera phones that do not include an autofocus feature,while a higher threshold might be used for the image focus IQA test forimage capture by camera phones that do include an autofocus feature.

According to an embodiment, a test can be flagged as “affects overallstatus.” These tests are also referred to here as “critical” tests. If amobile image fails a critical test, the MDIPE 2100 rejects the image andcan provide detailed information to the mobile device user explainingwhy the image was not of a high enough quality for the mobileapplication and that provides guidance for retaking the image to correctthe defects that caused the mobile document image to fail the test, inthe event that the defect can be corrected by retaking the image.

According to an embodiment, the test result messages provided by theMDIPE 2100 can be provided to the mobile application that requested theMDIPE 2100 perform the quality assurance testing on the mobile documentimage, and the mobile application can display the test results to theuser of the mobile device. In certain embodiments, the mobileapplication can display this information on the mobile device shortlyafter the user takes the mobile document image to allow the user toretake the image if the image is found to have defects that affect theoverall status of the image. In some embodiments, where the MDIPE 2100is implemented at least in part on the mobile device, the MDIPE 2100 caninclude a user interface unit that is configured to display the testresults message on a screen of the mobile device.

FIG. 25 merely provides a description of the logical components of theMDIPE 2100. In some embodiments, the MDIPE 2100 can be implemented onthe mobile device 340, in software, hardware, or a combination thereof.In other embodiments, the MDIPE 2100 can be implemented on the remoteserver, and the mobile device can send the mobile image 2105 and theprocessing parameters 2107, e.g., via a wireless interface, to theremote server for processing, and the remote server can send the testresults and test messages 2140 to the mobile device to indicate whetherthe mobile image passed testing. In some embodiments, part of thefunctionality of the MDIPE 2100 can be implemented on the mobile devicewhile other parts of the MDIPE 2100 are implemented on the remoteserver. The MDIPE 2100 can be implemented in software, hardware, or acombination thereof. In still other embodiments, the MDIPE 2100 can beimplemented entirely on the remote server, and can be implemented usingappropriate software, hardware, or a combination there.

FIG. 26 is a flow diagram of a process for performing mobile imagequality assurance on an image captured by a mobile device according toan embodiment. The process illustrated in FIG. 26 can be performed usingthe MDIPE 2100 illustrated in FIG. 25.

The mobile image 2105 captured by a mobile device is received (step2205). The mobile image 2105 can also be accompanied by one or moreprocessing parameters 2107.

As described above, the MDIPE 2100 can be implemented on the mobiledevice, and the mobile image can be provided by a camera that is part ofor coupled to the mobile device. In some embodiments, the MDIPE 2100 canalso be implemented at least in part on a remote server, and the mobileimage 2105 and the processing parameters 2107 can be transmitted to theremove server, e.g., via a wireless interface included in the mobiledevice.

Once the mobile image 2105 and the processing parameters 2107 have beenreceived, the mobile image is processed to generate a document snippetor snippets (step 2210). For example, preprocessing unit 2110 of MDIPE2100 can be used to perform various preprocessing on the mobile image.One part of this preprocessing includes identifying a document subimagein the mobile image. The subimage is the portion of the mobile documentimage that includes the document. The preprocessing unit 2110 can alsoperform various preprocessing on the document subimage to produce whatis referred to herein as a “snippet.” For example, some tests canrequire that a grayscale image of the subimage be created. Thepreprocessing unit 2110 can create a grayscale snippet that represents agrayscale version of the document subimage. In another example, sometests can require that a bitonal image of the subimage be created. Thepreprocessing unit 2110 can create a bitonal snippet that represents abitonal version of the document subimage. In some embodiments, the MDIPE2100 can generate multiple different snippets based on the types oftests to be performed on the mobile document image.

After processing the mobile document image to generate a snippet, theMDIPE 2100 then selects one or more tests to be performed on the snippetor snippets (step 2215). In an embodiment, the tests to be performed canbe selected from test data store 2132. In an embodiment, the MDIPE 2100selects the one or more tests based on the processing parameters 2107that were received with the mobile image 2105.

After selecting the tests from the test data store 2132, test parametersfor each of the tests can be selected from the test parameters datastore 2134 (step 2220). According to an embodiment, the test parameterscan be used to configure or customize the tests to be performed. Forexample, different test parameters can be used to configure the tests tobe more or less sensitive to certain attributes of the mobile image. Inan embodiment, the test parameters can be selected based on theprocessing parameters 2107 received with the mobile image 2105. Asdescribed above, these processing parameters can include information,such as the type of mobile device used to capture the mobile image aswell as the type of mobile application that is going to be used toprocess the mobile image if the mobile image passes scrutiny of themobile image IQA system.

Once the tests and the test parameters have been retrieved and providedto the test execution unit 2130, a test is selected from tests to beexecuted, and the test is executed on the document snippet to produce atest result value (step 2225). In some embodiments, more than onedocument snippet may be used by a test. For example, a test can beperformed that tests whether images of a front and back of a check areactually images of the same document can be performed. The test enginecan receive both an image of the front of the check and an image of theback of the check from the preprocessing unit 2110 and use both of theseimages when executing the test.

The test result value obtained by executing the test on the snippet orsnippets of the mobile document is then compared to test threshold todetermine whether the mobile image passes or fails the test (step 2230)and a determination is made whether the test results exceed thethreshold (step 2235). According to an embodiment, the test thresholdcan be configured or customized based on the processing parameters 2107received with the mobile image. For example, the test for imageblurriness can be configured to use a higher threshold for passing ifthe image is to be used to for a mobile deposit application where theMICR-line information needs to be recognized and read from the documentimage. In contrast, the test for blurriness can be configured use alower threshold for passing the mobile image for some mobileapplications. For example, the threshold for image quality may belowered for if a business card is being imaged rather than a check. Thetest parameters can be adjusted to minimize the number of false rejectsand false accept rate, the number of images marked for reviewing, orboth.

The “affects overall status” flag of a test can also be configured basedon the processing parameters 2107. For example, a test can be marked asnot affecting the overall status for some types of mobile applicationsor for documents being processed, or both. Alternatively, a test canalso be marked as affecting overall status for other types of mobileapplications or documents being processed, or both. For example, a testthat identifies the MICR-line of a check can be marked as “affectingoverall status” so that if the MICR-line on the check cannot beidentified in the image, the image will fail the test and the image willbe rejected. In another example, if the mobile application is merelyconfigured to receive different types of mobile document image, themobile application can perform a MICR-line test on the mobile documentimage in an attempt to determine whether the document that was imagedwas a check. In this example, the MICR-line may not be present, becausea document other than a check may have been imaged. Therefore, theMICR-line test may be marked as not “affecting overall status,” and if adocument fails the test, the transaction might be flagged for review butnot marked as failed.

Since different camera phones can have cameras with very differentoptical characteristics, image quality may vary significantly betweenthem. As a result, some image quality defects may be avoidable on somecamera phones and unavoidable on the others and therefore requiredifferent configurations. To mitigate the configuration problem, MobileIQA test can be automatically configured for different camera phones touse different tests, or different thresholds for the tests, or both. Forexample, as described above, a lower threshold can be used for an imagefocus IQA test on mobile document images that are captured using acamera phone that does not include an autofocus feature than would beused for camera phones that do include an autofocus feature, because itcan be more difficult for a user to obtain as clear an image on using adevice that doesn't an autofocus feature.

In certain embodiments, if the test result exceeded or equaled thethreshold, the image passed the test and a determination is made whetherthere are more tests to be executed (step 2240). If there are more teststo be executed, the next test can be selected and executed on thedocument snippet (step 2225). Otherwise, if there were not more tests tobe executed, the test results, or test messages, or both are output byMDIPE 2100 (step 2270). There can be one or more test messages includedwith the results if the mobile image failed one more of the tests thatwere executed on the image.

In such embodiments, if the test result was less than the threshold,then the mobile image has failed the test. A determination is madewhether the test affects the overall status (step 250). If the testaffects the overall status of the image, detailed test result messagesthat explain why the image failed the test can be loaded from the testmessage data store 134 (step 2255) and the test result messages can beadded to the test results (step 2260). The test results and testmessages can then be output by the MDIPE 2100 (step 2270).

Alternatively, if the test did not affect the overall status, the testresults can be loaded noted and the transaction can be flagged forreview (step 2265). By flagging the transaction for review, a user of amobile device can be presented with information indicating that a mobileimage has failed at least some of the test that were performed on theimage, but the image still may be of sufficient quality for use with themobile application. The user can then be presented with the option toretake the image or to send the mobile image to the mobile applicationfor processing. According to some embodiments, detailed test messagescan be loaded from the test message data store 134 for all tests thatfail and can be included with the test results, even if the test is notone that affects the overall status of the mobile image.

According to some embodiments, the mobile IQA test can also beconfigured to eliminate repeated rejections of a mobile document. Forexample, if an image of a check is rejected as have too low a contrastby a contrast test, the image is rejected, and the user can retake andresubmit the image via the mobile application, the processing parameters2107 received with the mobile image can include a flag indicating thatthe image is being resubmitted. In some embodiments, the thresholdsassociated with the tests that the image failed can be lowered to see ifthe image can pass the test with a lower threshold. In some embodiments,the thresholds are only lowered for non-critical tests. According to anembodiment, the processing parameters 2107 can also include a count ofthe number of times that an image has been resubmitted and thethresholds for a test are only lowered after a predetermined number oftimes that the image is resubmitted.

FIG. 27 is a flow diagram of a process for performing mobile imagequality assurance on an image of a check captured by a mobile deviceaccording to an embodiment. Like the process illustrated in FIG. 26, theprocess illustrated in FIG. 27 can be performed using the MDIPE 2100illustrated in FIG. 25. The method illustrated in FIG. 27 can be usedwhere an image of a check is captured in conjunction with a remittancepayment. The method illustrated in FIG. 27 can be used to assess thequality of the image of the check.

The method illustrated in FIG. 27 illustrates how the mobile IQA andMDIPE 2100 can be used with the electronic check processing providedunder the Check Clearing for the 21st Century Act. The Check Clearingfor the 21st Century Act (also referred to as the “Check 21 Act”) is aUnited States federal law (Pub.L. 108-100) that was enacted on Oct. 28,2003. The law allows the recipient of a paper check to create a digitalversion of the original check called a “substitute check,” which can beprocessed, eliminating the need to process the original physicaldocument. The substitute check includes an image of the front and backsides of the original physical document. The mobile IQA tests can beused check the quality of the images captured by a mobile device. Thesnippets generated by the MDIPE 2100 can then be further tested by oneor more Check 21 mobile IQA tests that perform image quality assuranceon the snippets to determine whether the images meet the requirements ofthe Check 21 Act as well.

The mobile image 2105 captured by a mobile device is received (step2305). In an embodiment, image of the front and back sides of the checkcan be provided. The mobile image 2105 can also be accompanied by one ormore processing parameters 2107. Check data can also be optionallyreceived (step 2307). The check data can be optionally provided by theuser at the time that the check is captured. This check data can includevarious information from the check, such as the check amount, checknumber, routing information from the face of the check, or otherinformation, or a combination thereof. In some embodiments, a mobiledeposition application requests this information from a user of themobile device, allows the user to capture an image of a check or toselect an image of a check that has already been captured, or both, andthe mobile deposit information provides the check image, the check data,and other processing parameters to the MDIPE 2100.

Once the mobile image 2105, the processing parameters 2107, and thecheck data have been received, the mobile image is processed to generatea document snippet or snippets (step 2310). As described above, thepreprocessing can produce one or more document snippets that include theportion of the mobile image in which the document was located. Thedocument snippets can also have additional processing performed on them,such as conversion to a bitonal image or to grayscale, depending on thetypes of testing to be performed.

After processing the mobile document image to generate a snippet, theMDIPE 2100 then selects one or more tests to be performed on the snippetor snippets (step 2315). In an embodiment, the tests to be performed canbe selected from test data store 2132. In an embodiment, the MDIPE 2100selects the one or more tests based on the processing parameters 2107that were received with the mobile image 2105.

After selecting the tests from the test data store 2132, test parametersfor each of the tests can be selected from the test parameters datastore 2134 (step 2320). As described above, the test parameters can beused to configure or customize the tests to be performed.

Once the tests and the test parameters have been retrieved and providedto the test execution unit 2130, a test is selected from tests to beexecuted, and the test is executed on the document snippet to produce atest result value (step 2325). In some embodiments, more than onedocument snippet can be used by a test. For example, a test can beperformed that tests whether images of a front and back of a check areactually images of the same document can be performed. The test enginecan receive both an image of the front of the check and an image of theback of the check from the preprocessing unit 2110 and use both of theseimages when executing the test. Step 2325 can be repeated until each ofthe tests to be executed is performed.

The test result values obtained by executing each test on the snippet orsnippets of the mobile document are then compared to test threshold withthat test to determine whether the mobile image passes or fails the test(step 2330) and a determination can be made whether the mobile image ofthe check passed the test indicating that image quality of mobile imageis acceptable (step 2335). If the mobile document image of the checkpassed, the MDIPE 2100 passes then executes one or more Check 21 testson the snippets (step 2340).

The test result values obtained by executing the Check 21 test or testson the snippet or snippets of the mobile document are then compared totest threshold with that test to determine whether the mobile imagepasses or fails the test (step 2345) and a determination can be madewhether the mobile image of the check passed the test indicating thatimage quality of mobile image is acceptable under the requirementsimposed by the Check 21 Act (step 2350). Step 345 can be repeated untileach of the Check 21 tests is performed. If the mobile document image ofthe check passed, the MDIPE 2100 passes the snippet or snippets to themobile application for further processing (step 2370).

If the mobile document image of the check failed one or more mobile IQAor Check 21 tests, detailed test result messages that explain why theimage failed the test can be loaded from the test message data store 134(step 2355) and the test result messages can be added to the testresults (step 2360). The test results and test messages are then outputto the mobile application where they can be displayed to the user (step2365). The user can use this information to retake the image of thecheck in an attempt to remedy some or all of the factors that caused theimage of the check to be rejected.

Mobile IQA Tests

According to some embodiments, an Image Focus IQA Test can be executedon a mobile image to determine whether the image is too blurry to beused by a mobile application. Blurry images are often unusable, and thistest can help to identify such out-of-focus images and reject them. Theuser can be provided detailed information to assist the user in taking abetter quality image of the document. For example, the blurriness mayhave been the result of motion blur caused by the user moving the camerawhile taking the image. The test result messages can suggest that theuser hold the camera steadier when retaking the image.

Mobile devices can include cameras that have significantly differentoptical characteristics. For example, a mobile device that includes acamera that has an auto-focus feature can generally produce much sharperimages than a camera that does not include such a feature. Therefore,the average image focus score for different cameras can vary widely. Asa result, the test threshold can be set differently for different typesof mobile devices. As described above, the processing parameters 2107received by MDIPE 2100 can include information that identifies the typeof mobile device and/or the camera characteristics of the camera usedwith the device in order to determine what the threshold should be setto for the Image Focus IQA Test.

An in-focus mobile document image, such as that illustrated in FIG. 29Awill receive a score of 1000, while an out of focus document, such asthat illustrated in FIG. 29B will receive a much lower score, such as inthe 50-100 range. Most of the time, images are not completely out offocus. Therefore, a score of 0 is uncommon.

According to an embodiment, the focus of the image can be tested usingvarious techniques, and the results can then be normalized to the 0-1000scale used by the MDIPE 2100.

In an embodiment, the Image Focus Score can be computed using thefollowing technique: The focus measure is a ratio of maximum videogradient between adjacent pixels, measured over the entire image andnormalized with respect to image's gray level dynamic range and “pixelpitch.” According to an embodiment, the image focus score can becalculated using the following equation described in “The FinancialServices Technology Consortium, ” Image Defect Metrics, IMAGE QUALITY &USABILITY ASSURANCE: Phase 1 Project, Draft Version 1.0.4. May 2, 2005,which is hereby incorporated by reference:

Image Focus Score=(Maximum Video Gradient)/[(Gray Level DynamicRange)*(Pixel Pitch)]

where Video Gradient=ABS[(Gray level for pixel “i”)−(Gray level forpixel “i+1”)]

Gray Level Dynamic Range=[(Average of the “N” Lightest Pixels)−(Averageof the “N” Darkest Pixels)]

Pixel Pitch=[1/Image Resolution (in dpi)]

The variable N is equal to the number of pixels used to determine theaverage darkest and lightest pixel gray levels in the image. Accordingto one embodiment, the value of N is set to 64. Therefore, the 64lightest pixels in the image are averaged together and the 64 darkestpixels in the image are averaged together, to compute the “Gray LevelDynamic” range value. The resulting image focus score value is themultiplied by 10 in order to bring the value into the 0-1000 range usedfor the test results in the mobile IQA system.

The Image Focus Score determined using these techniques can be comparedto an image focus threshold to determine whether the image issufficiently in focus. As described above, the threshold used for eachtest may be determined at least in part by the processing parameters2107 provided to MDIPE 2100. The Image Focus score can be normalized tothe 0-1000 range used by the mobile IQA tests and compared to athreshold value associated with the test. If the Image Focus Score meetsor exceeds this threshold, then the mobile document image issufficiently focused for use with the mobile application.

Shadow Test

Shadows frequently occur on mobile photos taken in bright sunlight,where an object obstructing the direct sunlight causes a deep shadow onpart of the document. This problem does not usually appear in an indoorsetting, and certainly never on an image scanned in a constrainedenvironment. Undetected or unrepaired shadows result in unusable images,increasing the number of rejected images. With advanced mobile imagingtechniques, shadows can not only be detected, but often eliminated,preventing the need to ask the user to take the photo again

According to some embodiments, a Shadow Test can be executed on a mobileimage to determine whether a portion of the image is covered by ashadow. A shadow can render parts of a mobile image unreadable. Thistest helps to identify whether a shadow coverage a least a portion of asubimage in a mobile document image, and to reject images if the shadowhas too much of an effect on the image quality, so that the user canattempt to take a better quality image of the document where the shadowis not present.

According to an embodiment, the presence of a shadow is measured byexamining boundaries in the mobile image that intersect two or moresides of the document subimage. FIG. 30 illustrates an example of ashadowed document. The document subimage has been extracted from themobile document image and converted to a grayscale snippet in thisexample. The shadow boundary clearly intersects the top and the bottomof the check pictured in the snippet.

The presence of shadows can be measured using the area and contrast. Ifa shadow covers the entire image, the result is merely an image that isdarker overall. Such shadows generally do not worsen image qualitysignificantly. Furthermore, shadows having a very small surface areaalso do not generally worsen image quality very much.

According to an embodiment, the Image Shadowed Score can be calculatedusing the following formula to determine the score for a grayscalesnippet:

Image Shadowed score=1000 if no shadows were found, otherwise

Image Shadowed score=1000−min (Score(S[i])), where Score(S[i]) iscomputed for every shadow S[i] detected on the grayscale snippet

In an embodiment, the Score for each shadow can be computed using thefollowing formula:

Given shadow S[i] in the grayscale image, the score can be calculatedScore(S[i]) as Score(S[i])=2000* min(A[i]/A, 1−A[i]/A) * (Contrast/256),where A[i] is the area covered by shadow S[i] (in pixels), A is theentire grayscale snippet area (in pixels), and Contrast is thedifference of brightness inside and outside of the shadow (the maximumvalue is 256).

Due to the normalization factor 2000, Score(S[i]) fits into 0-1000range. It tends to assume larger values for shadows that occupy about ½of the snippet area and have high contrast. Score(S[i]) is typicallywithin 100-200 range. In an embodiment, the Image Shadowed scorecalculated by this test falls within a range of 0-1000 as do the testresults from other tests. According to an embodiment, a typical mobiledocument image with few shadows will have a test result value in a rangeform 800-900. If no shadows are on are found the document subimage, thenthe score will equal 1000. The Image Shadowed score can then be comparedto a threshold associated with the test to determine whether the imageis of sufficiently high quality for use with the mobile applicationrequesting the assessment of the quality of the mobile document image.

Contrast Test

According to some embodiments, a Contrast Test can be executed on amobile image to determine whether the contrast of the image issufficient for processing. One cause of poor contrast is images takenwith insufficient light. A resulting grayscale snippet generated fromthe mobile document image can have low contrast, and if the grayscalesnippet is converted to a binary image, the binarization unit canerroneously white-out part of the foreground, such as the MICR-line of acheck, the code line of a remittance coupon, an amount, or black-outpart of the background. The Contrast Test measures the contrast andrejects poor quality images, and instructs the user to retake thepicture under brighter light to improve the contrast of the resultingsnippets.

FIG. 32 illustrates a method for executing a Contrast IQA Test accordingto an embodiment. The Contrast IQA Test illustrated in FIG. 32 isperformed on a grayscale snippet generated from a mobile document image.The MDIPE 2100 receives the mobile image (step 2805) and generates agrayscale snippet that comprises a grayscale version of the documentsubimage (step 2810). FIG. 31 is an example of a grayscale snippetgenerated from a mobile document image of a check. As can be seen fromFIG. 27, the contrast of the image is very low.

A histogram of the grayscale values in the grayscale snippet can then bebuilt (step 2815). In an embodiment, the x-axis of the histogram isdivided into bins that each represents a “color” value for the pixel inthe grayscale image and the y-axis of the histogram represents thefrequency of that color value in the grayscale image. According to anembodiment, the grayscale image has pixel in a range from 0-255, and thehistogram is built by iterating through each value in this range andcounting the number of pixels in the grayscale image having this value.For example, frequency of the “200” bin would include pixels having agray value of 200.

A median black value can then be determined for the grayscale snippet(step 2820) and a median white value is also determined for thegrayscale snippet (step 2825). The median black and white values can bedetermined using the histogram that was built from the grayscalesnippet. According to an embodiment, the median black value can bedetermined by iterating through each bin, starting with the “0” bin thatrepresents pure black and moving progressively toward the “250” binwhich represents pure white. Once a bin is found that includes at least20% of the pixels included in the image, the median black value is setto be the color value associated with that bin. According to anembodiment, the median white value can be determined by iteratingthrough each bin, starting with the “255” bin which represents purewhite and moving progressively toward the “0” bin which represents pureblack. Once a bin is found that includes at least 20% of the pixelsincluded in the image, the median white value is set to be the colorvalue associated with that bin.

Once the median black and white values have been determined, thedifference between the median black and white values can then becalculated (step 2830). The difference can then be normalized to fallwithin the 0-1000 test range used in the mobile IQA tests executed bythe MDIPE 2100 (step 2835). The test result value can then be returned(step 2840). As described above, the test result value is provided tothe test execution unit 2130 where the test result value can be comparedto a threshold value associated with the test. See for example, FIG. 26,step 2230, described above. If the mobile image fails the Contrast IQATest, the MDIPE 2100 can reject the image, and load detailed testmessages from the test message data store 134 that include detailedinstructions that how the user might retake the image.

Planar Skew Test

According to some embodiments, a Planar Skew Test can be executed on amobile image to determine whether the document subimage is skewed withinthe mobile image. See FIG. 33A for an example of a mobile document imagethat includes a remittance coupon or check that exhibits significantplanar skew. Planar skew does not result in distortion of the documentsubimage; however, in an embodiment, the subimage detection unitincluded in the preprocessing unit assumes that the document subimage isnearly horizontal in the mobile document image. If the skew becomes tooextreme, for example approaching 45 degrees from horizontal, croppingerrors could occur when the document subimage is extracted from themobile document image.

According to an embodiment, document skew can be measured by firstidentifying the corners of the document subimage using one of thetechniques described above. The corners of the documents subimage can beidentified by the preprocessing unit 130 when performing projectivetransformations on the subimage, such as that described above withrespect to FIGS. 28A and 28B. Various techniques for detecting the skewof the subimage can be used. For example, techniques for detecting skewdisclosed in the related '071 and '091 Applications, can be used todetect the skew of the subimage. The results from the skew test can thenbe to fall within the 0-1000 test range used in the mobile IQA testsexecuted by the MDIPE 2100. The higher the skew of the documentsubimage, the lower the normalized test value. If the normalized testvalue falls below the threshold value associated with the test, themobile document image can be rejected and the user can be provideddetailed information from the test result messages data store 136 forhow to retake the image and reduce the skew.

View Skew Test

“View skew” denotes a deviation from direction perpendicular to thedocument in mobile document image. Unlike planar skew, the view skew canresult in the document subimage having perspective distortion. FIG. 33Billustrates an example of a document subimage that exhibits view skew.View skew can cause problems in processing the subimage if the view skewbecomes too great, because view skew changes the width-to-height ratioof the subimage. This can present a problem, since the true dimensionsof the document pictured in the subimage are often unknown. For example,remittance coupons and business checks can be various sizes and can havedifferent width-to-height ratios. View skew can result in contentrecognition errors, such as errors in recognition of the MICR-line dataon a check or CAR/LAR recognition (which stands for Courtesy AmountRecognition and Legal Amount Recognition) or errors in recognition ofthe code line of a remittance coupon. By measuring the view skew, theview skew test can be used to reject images that have too much viewskew, which can help reduce false rejects and false accepts rates byaddressing an issue that can be easily corrected by a user retaking themobile document image.

FIG. 34 is a flow chart illustrating a method for testing for view skewaccording to an embodiment. The MDIPE 2100 receives the mobile image(step 3005) and identifies the corners of the document within thesubimage (step 3010). A skew test score can then be determined for thedocument subimage (step 3015) and skew test score can then be returned(3040). As described above, the test result value can then be providedto the test execution unit 2130 where the test result value can becompared to a threshold value associated with the test.

According to an embodiment, the view skew of a mobile document can bedetermined using the following formula:

View Skew score=1000−F(A, B, C, D), where

F(A, B, C, D)=500* max(abs(|AB|−|CD|)/(|DA|+|BC|),abs(|BC|−DA|)/(|AB|+|CD|)),

where |PQ| denotes the distance from point P to point Q, and the cornersof the subimage are denoted as follows: A represents the top-leftcorner, B represents the top-right corner of the subimage, C representsthe bottom-right corner of the subimage, and D represents thebottom-left corner of the subimage.

One can see that View Skew score can be configured to fit into [0, 1000]range used in the other mobile IQA tests described herein. In thisexample, the View Skew score is equal to 1000 when |AB|=|CD| and|BC|=|DA|, which is the case when there is no perspective distortion inthe mobile document image and camera-to-document direction was exactlyperpendicular. The View Skew score can then be compared to a thresholdvalue associated with the test to determine whether the image quality issufficiently high for use with the mobile application.

Cut Corner Test

Depending upon how carefully the user framed a document when capturing amobile image, it is possible that one or more corners of the documentcan be cut off in the mobile document image. As a result, importantinformation can be lost from the document. For example, if the lowerleft-hand corner of a check is cut off in the mobile image, a portion ofthe MICR-line of a check or the code line of a remittance coupon mightbe cut off, resulting in incomplete data recognition. FIG. 35illustrates an example of a mobile document image that features areceipt where one of the corners has been cut off.

FIG. 36 illustrates a Cut-Off Corner Test that can be used withembodiments of the MDIPE 2100 for testing whether corners of a documentin a document subimage have been cut off when the document was imaged.The mobile image including height and width parameters are received(step 3205). In an embodiment, the height and width of the mobile imagecan be determined by the preprocessing unit 2110. The corners of thedocument subimage are then identified in the mobile document image (step3210). Various techniques can be used to identify the corners of theimage, including the various techniques described above. In anembodiment, the preprocessing unit 2110 identifies the corners of thedocument subimage. As illustrated in FIG. 15, one or more of the cornersof a document can be cut off. However, the preprocessing unit 2110 canbe configured to determine what the location of the corner should havebeen had the document not been cut off using the edges of the documentin the subimage. FIG. 35 illustrates how the preprocessing unit 2110 hasestimated the location of the missing corner of the document byextending lines from the sides of the document out to the point wherethe lines intersect. The preprocessing unit 2110 can then provide thecorners information for the document to the test execution unit 2130 toexecute the Cut-Off Corner IQA Test. In an embodiment, test variablesand the test results values to be returned by the test are set todefault values: the test value V to be returned from the test is set toa default value of 1000, indicating that all of the corners of thedocument are within the mobile document image, and a maximum cut offvariable (MaxCutOff) is set to zero indicating that no corner was cutoff.

A corner of the document is selected (step 3220). In an embodiment, thefour corners are received as an array of x and y coordinates C[I], whereI is equal to the values 1-4 representing the four corners of thedocument.

A determination is made whether the selected corner of the document iswithin the mobile document image (step 3225). The x & y coordinates ofthe selected corner should be at or between the edges of the image.According to an embodiment, the determination whether a corner is withinthe mobile document image can be determined using the followingcriteria: (1) C[I]·x>=0 & C[I]·x<=Width, where Width=the width of themobile document image and C[I]·x=the x-coordinate of the selectedcorner; and (2) C[I]·y>=0 & C[I]·y<=Height, where Height=the height ofthe mobile document image and C[I]·y=the y-coordinate of the selectedcorner.

If the selected corner fails to satisfy the criteria above, the corneris not within the mobile image and has been cut-off. A corner cut-offmeasurement is determined for the corner (step 3230). The corner cut-offmeasurement represents the relative distance to the edge of the mobiledocument image. According to an embodiment, the corner cut-offmeasurement can be determined using the following:

(1) Set H[I] and V[I] to zero, where H[I] represents the horizontalnormalized cut-off measure and V[I] represents the vertical normalizedcut-off measure.

(2) If C[I]·x<0, then set H[I]=−1000* C[I]·x/Width

(3) If C[I]·x>Width, set H[I]=1000* (C·[I]x−Width)/Width, where Width isthe width of the mobile image

(4) If C[I]·y<0, set V[I]=−1000* C[I]·y/Height, where Height is theheight of the mobile image

(5) If C[I]·y>Height, set V[I]=1000* (C[I]·y−Height)/Height

(6) Normalize H[I] and V[I] to fall within the 0-1000 range used by themobile IQA tests by setting H[I]=min(1000, H[I]) and V[I]=min (1000,V[I])

(7) Set CutOff[I]=min (H(I), V(I)), which is the normalized cut-offmeasure of the corner. One can see that the CutOff[I] lies within[0-1000] range used by the mobile IQA tests and the value increases asthe corner moves away from mobile image boundaries.

An overall maximum cut-off value is also updated using the normalizedcut-off measure of the corner (step 3235). According to an embodiment,the following formula can be used to update the maximum cut-off value:MaxCutOff=max(MaxCutOff, CutOff[I]). Once the maximum cut-off value isdetermined, a determination is made whether more corners are to betested (step 3225).

If the selected corner satisfies the criteria above, the corner iswithin the mobile document image and is not cut-off. A determination isthen made whether there are additional corners to be tested (step 3225).If there are more corners to be processed, a next corner to be test isselected (step 3215). Otherwise, if there are no more corners to betested, the test result value for the test is computing using themaximum test cut-off measurement. In an embodiment, the test resultvalue V=1000−MaxCutOff. One can see that V lies within [0-1000] rangefor the mobile IQA tests and is equal to 1000 when all the corners areinside the mobile image and decreases as one or more corner move outsideof the mobile image.

The test result value is then returned (3245). As described above, thetest result value is provided to the test execution unit 2130 where thetest result value can be compared to a threshold value associated withthe test. If the test result value falls below the threshold associatedwith the test, detailed test result messages can be retrieved from thetest result message data store 136 and provided to the user to indicatewhy the test failed and what might be done to remedy the test. The usermay simply need to retake the image with the document corners within theframe.

Cut-Side Test

Depending upon how carefully the user framed a document when capturing amobile image, it is possible that one or more sides of the document canbe cut off in the mobile document image. As a result, importantinformation can be lost from the document. For example, if the bottom acheck is cut off in the mobile image, the MICR-line might be cut off,rendering the image unusable for a Mobile Deposit application that usesthe MICR information to electronically deposit checks. Furthermore, ifthe bottom of a remittance coupon is cut off in the mobile image, thecode line may be missing, the image may be rendered unusable by aRemittance Processing application that uses the code information toelectronically process the remittance.

FIG. 37 illustrates an example of a mobile document image that featuresa receipt where one of the ends of the receipt has been cut off in theimage. Unlike the Cut-Corner Test described above which can beconfigured to allow a document to pass if the amount of cut-off falls issmall enough that the document image still receives a test score thatmeets or exceeds the threshold associated with the test, the Cut-SideTest is either pass or fail. If one or more sides of the documentsubimage are cut off in the mobile document image, the potential to losecritical information is too high, and mobile document is marked asfailing.

FIG. 38 is a flow diagram of a method for determining whether one ormore sides of the document are cut off in the document subimageaccording to an embodiment. The mobile image is received (step 3405). Inan embodiment, the height and width of the mobile image can bedetermined by the preprocessing unit 2110. The corners of the documentsubimage are then identified in the mobile document image (step 3410).Various techniques can be used to identify the corners of the image,including the various techniques described above. In an embodiment, thepreprocessing unit 2110 identifies the corners of the document subimage.

A side of the document is selected (step 3420). In an embodiment, thefour corners are received as an array of x and y coordinates C[I], whereI is equal to the values 1-4 representing the four corners of thedocument.

A determination is made whether the selected corner of the document iswithin the mobile document image (step 3425). According to anembodiment, the document subimage has four side and each side S[I]includes two adjacent corners C1[I] and C2[I]. A side is deemed to becut-off if the corners comprising the side are on the edge of the mobileimage. In an embodiment, a side of the document is cut-off if any of thefollowing criteria are met:

(1) C1[I]·x=C2[I]·x=0, where x=the x-coordinate of the corner

(2) C1[I]·x=C2[I]·x=Width, where Width=the width of the mobile image

(3) C1[I]·y=C2[I]·y=0, where y=the y-coordinate of the corner

(4) C1[I]·y=C2[I]·y=Height, where Height=the height of the mobile image

If the side does not fall within the mobile image, the test result valueis set to zero indicating that the mobile image failed the test (step3430), and the test results are returned (step 3445).

If the side falls within the mobile image, a determination is madewhether there are more sides to be tested (step 3425). If there are moresides to be tested, an untested side is selected (step 3415). Otherwise,all of the sides were within the mobile image, so the test result valuefor the test is set to 1000 indicating the test passed (step 3440), andthe test result value is returned (step 3445).

Warped Image Test

In real life, paper documents are often warped (folded) in various,irregular ways due to long and/or careless handling. Traditionalscanners deal with this situation by physically smoothing out the paperduring scanning by pressing it between two flat surfaces. However, thisis not the case with a mobile photo of a warped paper document. Failureto de-warp results in an unreadable document. Without advancedde-warping techniques, a large number of all document images will berejected by the bank's processing system (or flagged for manualprocessing), since the information on them cannot be extractedautomatically. This leads to a large proportion of rejected or failedpayments and increased labor costs, frustrated users and damage to thebank's reputation and business

The warped image test identifies images where document is warped. FIG.39 illustrates an example of a mobile document image where the documentis warped. In some embodiments, the preprocessing unit 2110 can beconfigured to include de-warping functionality for correcting warpedimages. However, in some embodiments, a Warped Image Test is provided todetect and reject warped images. One solution for correcting warpedimages is to instruct the user to retake the image after flattening thehardcopy of the document being imaged.

FIG. 40 is a flow diagram of a method for identifying a warped image andfor scoring the image based on how badly the document subimage is warpedaccording to an embodiment. A warped image test score value is returnedby the test, and this value can be compared with a threshold value bythe test execution unit 2130 to determine whether the image warping isexcessive.

The mobile image is received (step 3605). In an embodiment, the heightand width of the mobile image can be determined by the preprocessingunit 2110. The corners of the document subimage are then identified inthe mobile document image (step 3610). Various techniques can be used toidentify the corners of the image, including the various techniquesdescribed above. In an embodiment, the preprocessing unit 2110identifies the corners of the document subimage.

A side of the document is selected (step 3615). According to anembodiment, the document subimage has four side and each side S[I]includes two adjacent corners C1[I] and C2[I].

A piecewise linear approximation is built for the selected side (step3620). According to an embodiment, the piecewise-linear approximation isbuilt along the selected side by following the straight line connectingthe adjacent corners C1[I] and C2[I] and detecting position of thehighest contrast starting from any position within [C1[I], C2[I]]segment and moving in orthogonal direction.

After the piecewise linear approximation is built along the [C1[I],C2[I]] segment, the [C1[I], C2[I]] segment is walked to compute thedeviation between the straight line and the approximation determinedusing piecewise linear approximation (step 3625). Each time thedeviation is calculated, a maximum deviation value (MaxDev) is updatedto reflect the maximum deviation value identified during the walk alongthe [C1[I], C2[I]] segment.

The maximum deviation value for the side is then normalized to generatea normalized maximized deviation value for the selected size of thedocument image (step 3630). According to an embodiment, the normalizedvalue can be determined using the following formula:

NormMaxDev[I]=1000* MaxDev[I]/Dim, where Dim is the mobile imagedimension perpendicular to side S[I].

An overall normalized maximum deviation value is then updated using thenormalized deviation value calculated for the side. According to anembodiment, the overall maximum deviation can be determined using theformula:

OverallMaxDeviation=max(OverallMaxDeviation, NormMaxDev[I])

A determination is then made whether there are any more sides to betested (step 3640). If there are more sides to be tested, an untestedside is selected for testing (step 3615). Otherwise, if no untestedsides remain, the warped image test value is computed. According to anembodiment, the warped image test value can be determined using thefollowing formula:

V=1000−OverallMaxDeviation

One can see that V lies within [0-1000] range used by the image IQAsystem and is equal to 1000 when the sides S[I] are straight linesegments (and therefore no warp is present). The computed test result isthen returned (step 3650). As described above, the test result value isprovided to the test execution unit 2130 where the test result value canbe compared to a threshold value associated with the test. If the testresult value falls below the threshold associated with the test,detailed test result messages can be retrieved from the test resultmessage data store 136 and provided to the user to indicate why the testfailed and what might be done to remedy the test. For example, the usermay simply need to retake the image after flattening out the hardcopy ofthe document being imaged in order to reduce warping.

Image Size Test

The Image Size Test detects the actual size and the effective resolutionof the document subimage. The perspective transformation that can beperformed by embodiments of the preprocessing unit 2110 allows for aquadrangle of any size to be transformed into a rectangle to correct forview distortion. However, a small subimage can cause loss of detailneeded to process the subimage.

FIG. 41 illustrates an example of a document subimage within a mobiledocument image that is relatively small. Small size of the subimage cancause the loss of important foreground information. This effect issimilar to digital zooming in a digital camera where image of an objectbecomes larger, but the image quality of object can significantlydegrade due to loss of resolution and important details can be lost.

FIG. 42 is a flow diagram of a process that for performing an Image SizeTest on a subimage according to an embodiment. The mobile image isreceived (step 3805). In an embodiment, the height and width of themobile image can be determined by the preprocessing unit 2110. Thecorners of the document subimage are then identified in the mobiledocument image (step 3810). Various techniques can be used to identifythe corners of the image, including the various techniques describedabove. In an embodiment, the preprocessing unit 2110 identifies thecorners of the document subimage. In the method the corners of thesubimage are denoted as follows: A represents the top-left corner, Brepresents the top-right corner of the subimage, C represents thebottom-right corner of the subimage, and D represents the bottom-leftcorner of the subimage.

A subimage average width is computed (step 3815). In an embodiment, thesubimage average width can be calculated using the following formula:

Subimage average width as Ave Width=(|AB|+|CD|)/2, where |PQ| representsthe Euclidian distance from point P to point Q.

A subimage average height is computed (step 3820). In an embodiment, thesubimage average height can be calculated using the following formula:

AveHeight=(|BC|+|DA|)/2

The average width and average height values are then normalized to fitthe 0-1000 range used by the mobile IQA tests (step 3822). The followingformulas can be used determine the normalize the average width andheight:

NormAveWidth=1000* AveWidth/Width

NormAveHeight=1000* AveWidth/Height

A minimum average value is then determined for the subimage (step 3825).According to an embodiment, the minimum average value is the smaller ofthe normalized average width and the normalized average height values.The minimum average value falls within the 0-1000 range used by themobile IQA tests. The minimum average value will equal 1000 if thedocument subimage fills the entire mobile image.

The minimum average value is returned as the test result (step 3865). Asdescribed above, the test result value is provided to the test executionunit 2130 where the test result value can be compared to a thresholdvalue associated with the test. If the test result value falls below thethreshold associated with the test, detailed test result messages can beretrieved from the test result message data store 2136 and provided tothe user to indicate why the test failed and what might be done toremedy the test. For example, the user may simply need to retake theimage by positioning the camera closer to the document.

Code Line Test

The Code Line Test can be used to determine whether a high quality imageof a remittance coupon front has been captured using the mobile deviceaccording to an embodiment. The Code Line Test can be used inconjunction with a Remittance Processing application to ensure thatimages of remittance coupon captures for processing with the RemittanceProcessing information are of a high enough quality to be processed sothat the remittance can be electronically processed. Furthermore, if amobile image fails the Code Line Test, the failure may be indicative ofincorrect subimage detections and/or poor overall quality of the mobileimage, and such an image should be rejected anyway.

FIG. 43 is a flow chart of a method for executing a Code Line Testaccording to an embodiment. A mobile image of a remittance coupon isreceived (step 3955) and a bitonal image is generated from the mobileimage (step 3960). In an embodiment, preprocessor 110 extracts thedocument subimage from the mobile image as described above, includingpreprocessing such as geometric correction. The extracted subimage canthen be converted to a bitonal snippet by the preprocessor 110. The codeline is then identified in the bitonal snippet (step 3965). According toan embodiment, a code line recognition engine is then applied toidentify the code line and to compute character-level and overallconfidence values for the image (step 3970). These confidences can thenbe normalized to the 0-1000 scale used by the mobile IQA tests where1000 means high quality and 0 means poor code line quality. Theconfidence level is then returned (step 3975). As described above, thetest result value is provided to the test execution unit 2130 where thetest result value can be compared to a threshold value associated withthe test. If the test result value falls below the threshold associatedwith the test, detailed test result messages can be retrieved from thetest result message data store 136 and provided to the user to indicatewhy the test failed and what might be done to remedy the test. Forexample, the user may simply need to retake the image to adjust forgeometrical or other factors, such as poor lighting or a shadoweddocument. In some instances, the user may not be able to correct theerrors. For example, if the code line on the document is damaged orincomplete and the document will continue to fail the test even if theimage were retaken.

Aspect Ratio Tests

The width of a remittance coupon is typically significantly longer thanthe height of the document. According to an embodiment, an aspect ratiotest can be performed on a document subimage of a remittance coupon todetermine whether the aspect ratio of the document in the image fallswithin a predetermined ranges of ratios of width to height. If thedocument image falls within the predetermined ranges of ratios, theimage passes the test. An overall confidence value can be assigned todifferent ratio values or ranges of ratio values in order to determinewhether the image should be rejected.

According to some embodiments, the mobile device can be used to capturean image of a check in addition to the remittance coupon. A secondaspect ratio test is provided for two-sided documents, such as checks,where images of both sides of the document may be captured. According tosome embodiments, a remittance coupon can also be a two-sided documentand images of both sides of the document can be captured. The secondaspect ratio test compares the aspect ratios of images that arepurported to be of the front and back of a document to determine whetherthe user has captured images of the front and back of the same documentaccording to an embodiment. The Aspect Ratio Test could be applied tovarious types two-sided or multi-page documents to determine whetherimages purported to be of different pages of the document have the sameaspect ratio.

FIG. 44 illustrates a method for executing an Aspect Ratio Test fortwo-sided documents according to an embodiment. In the embodimentillustrated in FIG. 40, the test is directed to determining whether theimages purported to be of the front and back side of a document have thesame aspect ratio. However, the method could also be used to testwhether two images purported to be from a multi-page and/or multi-sideddocument have the same aspect ratio.

A front mobile image is received (step 4005) and a rear mobile image isreceived (step 4010). The front mobile image is supposed to be of thefront side of a document while the rear mobile image is supposed to bethe back side of a document. If the images are really of opposite sidesof the same document, the aspect ratio of the document subimages shouldmatch. Alternatively, images of two different pages of the same documentmay be provided for testing. If the images are really of pages of thesame document, the aspect ratio of the document subimages should match.

The preprocessing unit 2110 can process the front mobile image togenerate a front-side snippet (step 4015) and can also process the backside image to generate a back-side snippet (step 4020).

The aspect ratio of the front-side snippet is then calculated (step4025). In an embodiment, the AspectRatioFront=Width/Height, whereWidth=the width of the front-side snippet and Height=the height of thefront-side snippet.

The aspect ratio of the back-side snippet is then calculated (step4030). In an embodiment, the AspectRatioBack=Width/Height, whereWidth=the width of the back-side snippet and Height=the height of theback-side snippet.

The relative difference between the aspect ratios of the front and rearsnippets is then determined (step 4035). According to an embodiment, therelative difference between the aspect ratios can be determined usingthe following formula:

RelDiff=1000*abs(AspectRatioFront−AspectRatioBack)/max(AspectRatioFront,AspectRatioBack)

A test result value is then calculated based on the relative differencebetween the aspect ratios (step 4040). According to an embodiment, thetest value V can be computed using the formula V=1000−RelDiff.

The test results are then returned (step 4045). As described above, thetest result value is provided to the test execution unit 2130 where thetest result value can be compared to a threshold value associated withthe test. If the test result value falls below the threshold associatedwith the test, detailed test result messages can be retrieved from thetest result message data store 136 and provided to the user to indicatewhy the test failed and what might be done to remedy the test. Forexample, the user may have mixed up the front and back images from twodifferent checks having two different aspect ratios. If the documentimage fails the test, the user can be prompted to verify that the imagespurported to be the front and back of the same document (or images ofpages from the same document) really are from the same document.

Form Identification

Various embodiments of the present invention may utilize a noveltechnique of form identification in order to expeditiously identify keyfeatures of a captured mobile image. The form identification can beprovided by a user, or it can be automatically determined by reading acaptured mobile image. This captured mobile image may include any typeof document including, without limitation: remittance coupons,employment forms, store receipts, checks, bills or sales invoices,business cards, medical and dental records, store coupons, educationalinformation such as progress reports and report cards, birth and deathcertificates, insurance policies, legal documents, magazine andnewspaper clippings, forms of personal identification such as passportsand driver licenses, police records, real estate records, etc. In theform identification step, a template is identified that is associatedwith a document that has been captured in a mobile image. The templateidentifies the layout of information contained within the document. Thislayout information can be used to improve data capture accuracy becausedata should be in known locations on the document.

Form identification can be helpful in a number of different situations.If the layout of the document is known, capturing the data from knownlocations on the document can be more accurate than relying on a dynamicdata capture technique to extract the data from the document.Additionally, according to some embodiments, the identification of aprerequisite minimum number of data fields associated with only one typeof document can enable a faster lookup of data from other data fields assoon as the specific type of document has been identified.

Form identification can also be used for documents that lack keywordsthat could otherwise be used to identify key data on the document. Forexample, if a document does not include an “Account Number” label for anaccount number field, the dynamic data capture may misidentify the datain that field. Misidentification can become even more likely if multiplefields have similar formats. Form identification can also be used fordocuments having ambiguous data. For example, a document might includemultiple fields that include data having a similar format. If a documentincludes multiple unlabeled fields having similar formats, dynamic datacapture may be more likely to misidentify the data. However, if thelayout of the document is known, the template information can be used toextract data from known positions in the document image.

According to some embodiments, form identification can also be used fordocuments having a non-OCR friendly layout. For example, a document mayuse fonts where identifying keywords and/or form data is printed using anon-OCR friendly font. Form identification can also be used to improvethe chance of correctly capturing data when a poor quality image ispresented. A poor quality image of a document can make it difficult tolocate and/or read data.

FIG. 45 is a flow chart of a method for processing an image using formidentification according to an embodiment. At step 4205, abinarized/bi-tonal document image is received. Various techniques forcreating a bi-tonal subimage from a mobile image are provided above. Forexample, step 1225 of FIG. 12 describes binarization of a documentsubimage. FIG. 14 also illustrates a method of binarization that can beused to generate a bi-tonal image according to one embodiment of thepresent invention.

A matching algorithm is executed on the bi-tonal image of the documentin an attempt to find a matching template (step 4210). According to anembodiment, one or more computing devices can include a template datastore that can be used to store templates of the layouts of varioustypes of documents. Various matching techniques can be used to match atemplate to a document image. For example, optical character recognitioncan be used to identify and read text content from the image. The typesof data identified and the positions of the data on the document can beused to identify a matching template. According to another embodiment, adocument can include a unique symbol or identifier that can be matchedto a particular document template. In yet other embodiments, the imageof the document can be processed to identify “landmarks” on the imagethat may correspond to labels and/or data. In some embodiments, theselandmarks can include, but are not limited to: positions of horizontaland/or vertical lines on the document, the position and/or size of boxesand/or frames on the document, and/or the location of pre-printed text.The position of these landmarks on the document may be used to identifya template from the plurality of templates in the template data store.According to some embodiments, a cross-correlation matching techniquecan be used to match a template to an image of a document. In someembodiments, the positions of frames/boxes found on image and/or othersuch landmarks, can be cross-correlated with landmark informationassociated a template to compute the matching confidence score. If theconfidence score exceeds a predetermined threshold, the template isconsidered to be a match and can be selected for use in extractinginformation from the mobile image.

A determination is made whether a matching template has been found (step4215). If no matching template is found, a dynamic data capture can beperformed on the image of the document (step 4225). Dynamic data captureis described in detail below and an example method for dynamic datacapture is illustrated in the flow chart of FIG. 46.

If a matching template is found, data can be extracted from the image ofthe document using the template (step 4220). The template can providethe location of various data within the document, such as the document'sauthor(s), the document's publication date, the names of any corporate,governmental, or educational entities associated with the document, anamount due, an account holder name, an account number, a payment duedate, etc. In some embodiments, various OCR techniques can be used toread text content from the locations specified by the template. Sincethe location of various data elements is known, ambiguities regardingthe type of data found can be eliminated. That is, use of the templateenables the system to distinguish among data elements which have asimilar data type.

Dynamic Data Capture

FIG. 46 is a flow chart of a dynamic data capture method for extractingdata from an image according to an embodiment. The dynamic data capturemethod illustrated in FIG. 46 can be used if a form ID for identifying aparticular format of a document is not available. The method illustratedin FIG. 46 can also be used if the form ID does not match any of thetemplates stored in the template data store. The method begins withreceiving a binarized/bi-tonal document image (step 4305). Variousoptical character recognition techniques can then be used to locate andread fields from the bi-tonal image (step 4310). Some example OCRtechniques are described below. Once data fields have been located, thedata can be extracted from the bi-tonal image (step 4315). In someembodiments, steps 4310 and 4315 can be combined into a single stepwhere the field data is located and the data extracted in a combined OCRstep. Once the data has been extracted from the image, the data can beanalyzed to identify what data has been extracted (step 4320). The datacan also be analyzed to determine whether any additional data isrequired in order to be able to process the image.

According to an embodiment, a keyword-based detection technique can beused to locate and read the data from the bi-tonal image in steps 4310and 4315 of the method of FIG. 46. The method uses a set offield-specific keywords to locate fields of interest in the bitonalimage. For example, if the captured image is an image of a remittancecoupon, the keywords “Account Number,” “Account #,” “Account No.,”“Customer Number,” and/or other variations can be used to identify thecustomer's account number. According to an embodiment, text locatedproximate to the keyword can be associated with the keyword. Forexample, text located within a predetermined distance to the right of orbelow an “Account Number” keyword may be identified and extracted fromthe image using OCR and the text found in this location can then betreated as the account number. According to an embodiment, the distanceand directions in relation to the keyword in which the field data can belocated can be configured based on the various parameters, such aslocale or language. The position of the keyword in relation to fieldthat includes the data associated with the keyword may vary based on thelanguage being used, e.g. written right to left versus left to right.

According to an embodiment, a format-based detection technique can beused to locate and read the data from the bi-tonal image in steps 4310and 4315. For example, an OCR technique can be used to recognize text inthe document image. A regular expression mechanism can then be appliedto the text extracted from the bitonal image. A regular expression canbe used to formalize the format description for a particular field, suchas “contains 7-12 digits,” “may start with 1 or 2 uppercase letters,” or“contains the letter “U” in the second position.” According to anembodiment, multiple regular expressions may be associated with aparticular field, such as an account number, in order to increase thelikelihood of a correct match.

According to yet another embodiment, a combination of keyword-based andformat-based matching can be used to identify and extract field datafrom the bi-tonal image (steps 4310 and 4315). This approach can beparticularly effective where multiple fields of the same or similarformat are included within the image. A combination of keyword-based andformat-based matching can be used to identify field data can be used todisambiguate the data extracted from the bi-tonal image.

According to an embodiment, a code-line validation technique can be usedto locate and read the data from the bi-tonal image of in steps 4310 and4315. One or more fields may be embedded into a code-line. In someembodiments, the code-line characters may be cross-checked againstfields recognized in other parts of the document. In the event that aparticular field is different from a known corresponding value in thecode line, the value in the code line may be selected over the fieldvalue due to the relative difference in the reliabilities of reading thecode line versus reading the field value.

According to an embodiment, a cross-validation technique can be usedwhere multiple bi-tonal images of the same document have been captured,and one or more OCR techniques are applied the each of the bi-tonalimages (such as by any of the techniques described above). The resultsfrom the one or more OCR technique from one bi-tonal image can becompared to the results of OCR techniques applied one or more otherbitonal images in order to cross-validate the field data extracted fromthe images. If conflicting results are found, a set of results having ahigher confidence value can be selected to be used for document imageprocessing.

Recurring Payment Scheduling

According to various embodiments, a user of the mobile deviceapplication can set up one or more recurring payment schedules. Arecurring payment schedule may have a variety of advantages over aseries of single payments, including: i.) utilizing persistent data inorder to make the process of paying a bill more expeditious for the user(i.e., less input may be required from the user before each bill issubmitted), ii.) enabling a fast lookup of a remittance coupon templateassociated with a specified payee (thereby decreasing search time); andiii.) enabling the remittance application to send one or more paymentreminders to the user so as to safeguard against a payment default.

FIG. 47 is a flow diagram illustrating an exemplary method forconfiguring a recurring bill payment schedule according to oneembodiment. At block 4702, a user launches a remittance application. Insome embodiments, the remittance application is resident within themobile device (see FIG. 1). In other embodiments, the remittanceapplication is resident within a remote computing device, such as aremote server (see FIG. 1). Once the remittance application is launched,a splash screen may appear (block 4704) indicating the name and/orsoftware version of the remittance application.

At block 4706, a login screen can then be displayed, prompting the userto input one or more security credentials (e.g., username and apassword). In some embodiments, the security credentials of all users ofthe remittance application may be encrypted and stored locally, forexample, within a non-volatile storage device associated with the mobiledevice 350. In other embodiments, the security credentials may beencrypted and stored in a non-volatile device present at a remotelocation.

Once the credentials have been validated, a main menu is then displayed(block 4708). The main menu may list a number of functions associatedwith the remittance application, including the option to “pay a bill” orto “view the last bill paid.” An option to “configure recurringpayments” is also presented to the user as one of the options, and theapplication will listen for the user's selection of this option atdecision block 4710.

At block 4712, a listing of all recurring payment schedules associatedwith the user is then displayed. For example, if the user had previouslyset up a recurring payment with Time Warner Cable and San Diego Gas andElectric, these two entries will be selectable within this listing.However, if no entries had been previously entered and saved by theuser, a message such as: “No recurring payments have been scheduled” mayappear in the display window in the alternative. An additional option to“set up a new recurring payment” is also presented to the user, forexample, at the bottom of the display screen.

At blocks 4714 and 4716, the user will decide whether to update anexisting recurring bill payment or to otherwise set up a new recurringpayment. In the event that the user selected a preexisting recurringpayment entry, previously stored data regarding this entry will beloaded at block 4718 (such as the name of the recurring payment entry,the payor, the payee, the selected payment method, a bank account orcheck routing number, a credit card number, and any other preferredpayment options). Otherwise, in the event that the user had selected toset up a new recurring payment, these data fields may be blank bydefault.

At block 4720, a sub-menu is then displayed including various datafields associated with this recurring payment entry. In someembodiments, the user may have an option to auto-populate at least someof these fields by instructing the system to extract data from a billthat has already been paid. Other fields can be modified, for example,by a keyboard, touchpad, mouse, or other such input device.

At block 4722, the user may then update these fields accordingly. Insome embodiments, a “save” or “apply changes” option enables the user tosave his input after the recurring payment entry has been updated. Inother embodiments, the remittance application automatically saves therecurring payment entry after any data field has been modified by theuser. Also, according to some embodiments, the remittance applicationmay prevent the user from saving changes to the recurring bill paymententry if a certain minimum number of prerequisite data fields have notbeen filled out, or otherwise, if the data entered within any of thesefields is of an invalid format.

According to some embodiments, the user may be presented the option ofhow he wishes to schedule recurring payments with the payee. FIG. 48 isa flow diagram illustrating this process. At block 4802, the user may beprompted to select among the options of: “Immediately,” “Manually,” “BySchedule,” or “Return to Previous Menu.” The remittance application maythen check which option was selected at respective decision blocks 4810,4820, 4830, and 4840.

If the user selected to schedule bill payments with the payee“Immediately,” then at block 4812, the remittance application configuresitself to attempt to make a payment soon after receiving an image of acheck and/or remittance coupon from the user. The document images can bepreprocessed by the mobile device 350 and/or processed by the remoteserver in any of the manners already described above. After the imageshave been successfully processed, one or more of the image qualityassurance tests already described can then be run in real-time in orderto ensure that the user has taken an image with a quality sufficient toprocess a payment.

If the user selected to schedule bill payments with the payee“Manually,” then at block 4822, the remittance application configuresitself to attempt to make a payment only upon a specific input from theuser. This input might be, for example, a “Pay Bill” button located inone or more menus or sub-menus of the remittance application. Images ofany remittance coupons/checks received from the user may then bepersistently stored within a non-volatile storage device until the useracknowledges he is ready to pay a certain bill by providing the specificinput required by the remittance application.

If the user selected to schedule payments with the payee “By Schedule,”then at block 4832, a submenu may appear prompting the user to specifycertain scheduling options. In some embodiments, the user may specifyhow many days he wishes the application to submit the payment before (orafter) a certain payment due date. For example, if a utility bill isalways due the 15^(th) of every month, the user may elect to have theserecurring bills paid on the 10^(th) of every month. Images of anyremittance coupons/checks received from the user may then bepersistently stored within a non-volatile storage device until thescheduled date of payment. In some embodiments, any preprocessing,processing, or image quality and assurance tests are run on the documentimages soon after they are received from the user. This enables the userto detect and correct any defects with the image documents well beforethe scheduled date of payment.

Irrespective of the option selected, the user will be returned toscheduling menu after providing the input from the recurring paymentsub-menu. If the user selected to “Return to Previous Menu,” then atblock 4842 the user will be directed to the previous menu and theprocess will end.

According to some embodiments, the user may be presented the option ofwhether he wishes to have the remittance application send him one ormore reminders about upcoming payment due dates. The reminders may thusserve to assist the user in preventing a payment default due toinattention, inadvertence, or neglect.

FIG. 49 is a flow diagram illustrating an exemplary process of enablinga user to set one or more reminders associated with a recurring billpayment according to one embodiment of the present invention. At block4902, a menu is displayed to the user, the menu including an option(such as a hyperlink or selectable button) for setting one or morepayment reminders associated with a recurring payment schedule.

Once this option is selected at block 4904, then at block 4906, asub-menu may then be displayed to the user. In some embodiments, thesub-menu presents the user with a number of configurable optionsregarding payment reminders. For example, the user may decide whether toset up a single reminder or a series of periodic reminders.Additionally, the user may specify when the reminders are to be sent(for example, on a regularly occurring day each month, such as on the5^(th), or instead on a day that is always measured relative to thepayment due date, such as 7 days before the bill is due). In someembodiments, the user may also specify how frequently the reminders areto be sent (e.g., daily, every third day, weekly, bi-weekly, etc.).

Additionally, according to some embodiments, the user may specify thetype of reminders to be provided to the user by the remittanceapplication. Any number of mechanisms for informing the user about anupcoming payment may be used according to embodiments of the presentinvention (including, but not limited to: e-mail, popup windows, SMSmessages, “push”/PAP messaging, calendar alerts, scheduled printing, andphone messages/voicemail). Once the user has finished inputtingpreferred options at block 4908, the options are saved at block 4910,and the process then ends. Subsequently, the remittance application canprovide payment reminders to the user in any manner or manner(s) thatthe user has specified.

Exemplary Hardware Embodiments

FIG. 50 is an exemplary embodiment of a mobile device 4400 according toan embodiment. Mobile device 4400 can be used to implement the mobiledevice 340 of FIG. 1. Mobile device 4200 includes a processor 4410. Theprocessor 4410 can be a microprocessor or the like that is configurableto execute program instructions stored in the memory 4420 and/or thedata storage 4440. The memory 4420 is a computer-readable memory thatcan be used to store data and or computer program instructions that canbe executed by the processor 4410. According to an embodiment, thememory 4420 can comprise volatile memory, such as RAM and/or persistentmemory, such as flash memory. The data storage 4440 is a computerreadable storage medium that can be used to store data and or computerprogram instructions. The data storage 4440 can be a hard drive, flashmemory, a SD card, and/or other types of data storage.

The mobile device 4400 also includes an image capture component 4430,such as a digital camera. According to some embodiments, the mobiledevice 4400 is a mobile phone, a smart phone, or a PDA, and the imagecapture component 4430 is an integrated digital camera that can includevarious features, such as auto-focus and/or optical and/or digital zoom.In an embodiment, the image capture component 4430 can capture imagedata and store the data in memory 4220 and/or data storage 4440 of themobile device 4400.

Wireless interface 4450 of the mobile device can be used to send and/orreceive data across a wireless network. For example, the wirelessnetwork can be a wireless LAN, a mobile phone carrier's network, and/orother types of wireless network.

I/O interface 4460 can also be included in the mobile device to allowthe mobile device to exchange data with peripherals such as a personalcomputer system. For example, the mobile device might include a USBinterface that allows the mobile to be connected to USB port of apersonal computer system in order to transfers information such ascontact information to and from the mobile device and/or to transferimage data captured by the image capture component 4430 to the personalcomputer system.

As used herein, the term unit might describe a given unit offunctionality that can be performed in accordance with one or moreembodiments of the present invention. As used herein, a unit might beimplemented utilizing any form of hardware, software, or a combinationthereof. For example, one or more processors, controllers, ASICs, PLAs,logical components, software routines or other mechanisms might beimplemented to make up a module. In implementation, the various modulesdescribed herein might be implemented as discrete modules or thefunctions and features described can be shared in part or in total amongone or more modules. In other words, as would be apparent to one ofordinary skill in the art after reading this description, the variousfeatures and functionality described herein may be implemented in anygiven application and can be implemented in one or more separate orshared modules in various combinations and permutations. Even thoughvarious features or elements of functionality may be individuallydescribed or claimed as separate modules, one of ordinary skill in theart will understand that these features and functionality can be sharedamong one or more common software and hardware elements, and suchdescription shall not require or imply that separate hardware orsoftware components are used to implement such features orfunctionality.

Where components or modules of processes used in conjunction with theoperations described herein are implemented in whole or in part usingsoftware, in one embodiment, these software elements can be implementedto operate with a computing or processing module capable of carrying outthe functionality described with respect thereto. One suchexample-computing module is shown in FIG. 51, which illustrates acomputer system that can be used to implement mobile remittance serveraccording to an embodiment.

Various embodiments are described in terms of this example-computingmodule 1900. After reading this description, it will become apparent toa person skilled in the relevant art how to implement the inventionusing other computing modules or architectures.

Referring now to FIG. 51, computing module 1900 may represent, forexample, computing or processing capabilities found within desktop,laptop and notebook computers; mainframes, supercomputers, workstationsor servers; or any other type of special-purpose or general-purposecomputing devices as may be desirable or appropriate for a givenapplication or environment. Computing module 1900 might also representcomputing capabilities embedded within or otherwise available to a givendevice. For example, a computing module might be found in otherelectronic devices. Computing module 1900 might include, for example,one or more processors or processing devices, such as a processor 1904.Processor 1904 might be implemented using a general-purpose orspecial-purpose processing engine such as, for example, amicroprocessor, controller, or other control logic.

Computing module 1900 might also include one or more memory modules,referred to as main memory 1908. For example, random access memory (RAM)or other dynamic memory might be used for storing information andinstructions to be executed by processor 1904. Main memory 1908 mightalso be used for storing temporary variables or other intermediateinformation during execution of instructions by processor 1904.Computing module 1900 might likewise include a read only memory (“ROM”)or other static storage device coupled to bus 1902 for storing staticinformation and instructions for processor 1904.

The computing module 1900 might also include one or more various formsof information storage mechanism 1910, which might include, for example,a media drive 1912 and a storage unit interface 1920. The media drive1912 might include a drive or other mechanism to support fixed orremovable storage media 1914. For example, a hard disk drive, a floppydisk drive, a magnetic tape drive, an optical disk drive, a CD or DVDdrive (R or RW), or other removable or fixed media drive. Accordingly,storage media 1914 might include, for example, a hard disk, a floppydisk, magnetic tape, cartridge, optical disk, a CD or DVD, or otherfixed or removable medium that is read by, written to or accessed bymedia drive 1912. As these examples illustrate, the storage media 1914can include a computer usable storage medium having stored thereinparticular computer software or data.

In alternative embodiments, information storage mechanism 1910 mightinclude other similar instrumentalities for allowing computer programsor other instructions or data to be loaded into computing module 1900.Such instrumentalities might include, for example, a fixed or removablestorage unit 1922 and an interface 1920. Examples of such storage units1922 and interfaces 1920 can include a program cartridge and cartridgeinterface, a removable memory (for example, a flash memory or otherremovable memory module) and memory slot, a PCMCIA slot and card, andother fixed or removable storage units 1922 and interfaces 1920 thatallow software and data to be transferred from the storage unit 1922 tocomputing module 1900.

Computing module 1900 might also include a communications interface1924. Communications interface 1924 might be used to allow software anddata to be transferred between computing module 1900 and externaldevices. Examples of communications interface 1924 might include a modemor softmodem, a network interface (such as an Ethernet, networkinterface card, WiMedia, IEEE 802.XX or other interface), acommunications port (such as for example, a USB port, IR port, RS232port Bluetooth® interface, or other port), or other communicationsinterface. Software and data transferred via communications interface1924 might typically be carried on signals, which can be electronic,electromagnetic (which includes optical) or other signals capable ofbeing exchanged by a given communications interface 1924. These signalsmight be provided to communications interface 1924 via a channel 1928.This channel 1928 might carry signals and might be implemented using awired or wireless communication medium. These signals can deliver thesoftware and data from memory or other storage medium in one computingsystem to memory or other storage medium in computing system 1900. Someexamples of a channel might include a phone line, a cellular link, an RFlink, an optical link, a network interface, a local or wide areanetwork, and other wired or wireless communications channels.

Computing module 1900 might also include a communications interface1924. Communications interface 1924 might be used to allow software anddata to be transferred between computing module 1900 and externaldevices. Examples of communications interface 1924 might include a modemor softmodem, a network interface (such as an Ethernet, networkinterface card, WiMAX, 802.XX or other interface), a communications port(such as for example, a USB port, IR port, RS232 port, Bluetoothinterface, or other port), or other communications interface. Softwareand data transferred via communications interface 1924 might typicallybe carried on signals, which can be electronic, electromagnetic, opticalor other signals capable of being exchanged by a given communicationsinterface 1924. These signals might be provided to communicationsinterface 1924 via a channel 1928. This channel 1928 might carry signalsand might be implemented using a wired or wireless medium. Some examplesof a channel might include a phone line, a cellular link, an RF link, anoptical link, a network interface, a local or wide area network, andother wired or wireless communications channels.

In this document, the terms “computer program medium” and “computerusable medium” are used to generally refer to physical storage mediasuch as, for example, memory 1908, storage unit 1920, and media 1914.These and other various forms of computer program media or computerusable media may be involved in storing one or more sequences of one ormore instructions to a processing device for execution. Suchinstructions embodied on the medium, are generally referred to as“computer program code” or a “computer program product” (which may begrouped in the form of computer programs or other groupings). Whenexecuted, such instructions might enable the computing module 1900 toperform features or functions of the present invention as discussedherein.

While various embodiments of the present invention have been describedabove, it should be understood that they have been presented by way ofexample only, and not of limitation. The breadth and scope of thepresent invention should not be limited by any of the above-describedexemplary embodiments. Where this document refers to technologies thatwould be apparent or known to one of ordinary skill in the art, suchtechnologies encompass those apparent or known to the skilled artisannow or at any time in the future. In addition, the invention is notrestricted to the illustrated example architectures or configurations,but the desired features can be implemented using a variety ofalternative architectures and configurations. As will become apparent toone of ordinary skill in the art after reading this document, theillustrated embodiments and their various alternatives can beimplemented without confinement to the illustrated example. One ofordinary skill in the art would also understand how alternativefunctional, logical or physical partitioning and configurations could beutilized to implement the desired features of the present invention.

Furthermore, although items, elements or components of the invention maybe described or claimed in the singular, the plural is contemplated tobe within the scope thereof unless limitation to the singular isexplicitly stated. The presence of broadening words and phrases such as“one or more,” “at least,” “but not limited to” or other like phrases insome instances shall not be read to mean that the narrower case isintended or required in instances where such broadening phrases may beabsent.

What is claimed is:
 1. A method of obtaining insurance policy quotesusing a mobile device, comprising: receiving state informationassociated with a driver's license of a user; displaying a rectangularbox on a display screen of the mobile device, wherein the size of therectangular box is determined based on the received state information ofthe driver's license; receiving information related to the alignment ofthe driver's license within the rectangular box on the display screen ofthe mobile device; automatically capturing an image of the driver'slicense when the mobile device is steady and level and based at least inpart on the alignment information related to the driver's license;receiving information related to the alignment an insurance card of theuser within a rectangular window on the display screen of the mobiledevice; automatically capturing an image of the insurance card when themobile device is steady and level and based at least in part on thealignment information related to the insurance card; processing thecaptured image of the driver's license and the captured image of theinsurance card to extract information related to obtaining an insurancequote; transmitting the information related to obtaining an insurancequote to a remote server; and receiving policy offer information fromthe remote server and displaying the policy offer information to theuser.
 2. The method of claim 1, further comprising displaying theinformation to the user prior to transmitting the information.
 3. Themethod of claim 1, further comprising requesting that the user confirmthe information prior to transmitting the information.
 4. The method ofclaim 3, wherein the mobile image includes a vehicle information number(VIN).
 5. The method of claim 1, wherein the information related toobtaining an insurance quote is personal information about the user. 6.The method of claim 1, wherein the information related to obtaining aninsurance quote is vehicle information about a vehicle which the userwould like to insure.
 7. The method of claim 1, further comprising firstrequesting that the user capture the mobile image of the informationrelated to obtaining an insurance quote.
 8. A system for obtaininginsurance policy quotes using a mobile device, comprising: acommunication interface of a mobile device operatively coupled to anetwork; a memory operatively coupled to a processing device of themobile device comprising; an image capture unit configured to: receive,via the communication interface, state information associated with adriver's license of a user; display a rectangular box on a displayscreen of the mobile device to aid a the user in aligning the driver'slicense within the rectangular box, wherein the size of the rectangularbox is determined based on the received state information of thedriver's license; automatically capture, via the processing device, animage of the driver's license in response to detecting the mobile deviceis steady and level; display a rectangular window on a display screen ofthe mobile device to aid the user in aligning an insurance card withinthe rectangular window; automatically capture, via the processingdevice, an image of the insurance card in response to detecting themobile device is steady and level; an image processing unit to processthe captured image of the driver's license and the captured image of theinsurance card to extract information related to obtaining an insurancequote; a transmitting unit for transmitting the information, via thecommunication interface, related to obtaining an insurance quote to aremote server; and an input interface unit for receiving policy offerinformation from the remote server and displaying the policy offerinformation to the user.
 9. The system of claim 8, wherein theinformation is displayed to the user prior to the information beingtransmitted.
 10. The system of claim 8, wherein the user confirms theinformation prior to the information being transmitted.
 11. The systemof claim 8, wherein the mobile image includes a vehicle informationnumber (VIN).
 12. The system of claim 8, wherein the information relatedto obtaining an insurance quote is personal information about the user.13. The system of claim 8, wherein the information related to obtainingan insurance quote is vehicle information about a vehicle which the userwould like to insure.
 14. The system of claim 8, further comprisingfirst requesting that the user capture the mobile image of theinformation related to obtaining an insurance quote.